OTHER


TRAVEL

Travel insurance are package plans that provides indemnification for trip cancellation, trip interruption, trip delay, lost or delayed baggage and medical coverage.

GROUP BENEFITS

We offer a complete array of group benefits for employers ranging from group health insurance to life.

UMBRELLA

Umbrella insurance is designed to provide extra liability coverage to protect from major claims or catastrophic events that could jeopardize the insured assets. Provides excess limits when the limits of underlying liability policies are exhausted and, in some cases, also provides protection against some claims not covered by the underlying policies.

  • LONG-TERM CARE INSURANCE

    A long-term care insurance policy is designed to help you pay for basic tasks you may be unable to do as you age such as shopping for groceries, fixing meals, cleaning the house and personal services, like bathing, dressing or taking medications.

  • TERM LIFE INSURANCE

    Provides affordable coverage for a specific period of time.

  • PERMANENT LIFE INSURANCE

    Provides protection that lasts a lifetime or for the life of the policy. It may build cash value that can be used even when you are living.


LIFE

Life insurance might assist your loved ones avoid financial difficulty if you die unexpectedly. As long as you continue to pay your premiums, the insurance company will pay a lump amount of money to your beneficiaries when you die.

Your beneficiaries can utilize the funds to aid with funeral expenses, daily bills, lost wages, childcare, debts, college tuition, and other costs. While no amount of money will alleviate the sadness of losing a loved one, life insurance can help your family members bear the financial burden.


BONDS

A personal article “floater” policy will cover valuable items such as art collections, jewelry, fine china, silverware, etc. Most of these items are not covered under the homeowner policy or its recoverable value is set at certain “low” monetary/cash limit despite of its appraised value.
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