Life and Health
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. Health insurance coverage can also help you get and stay healthy by covering some preventive and wellness services. Buying health insurance can seem complicated with so many plans and premiums available. For many, the affordable care act also known as “obamacare” allows you to find health insurance plans if you have a pre-existing condition or save money if you qualify for a subsidy from the government. When purchasing health insurance, you should consult a licensed agent to ask what the best options are for your situation. You will be able to quote plans and premiums at no cost. You should confirm details like what are co-pays, out-of-pocket max, and deductible. Are you looking for affordable health insurance quotes? We compare quotes from all providers including Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, Obamacare plans, COBRA continuation coverage, and private marketplace. Our experienced team of health insurance agents will work with you to find family or individual health plans. Take control of your health insurance because your health matters. We are available to help you get the right product at the right price.
What is a life insurance policy?
Life insurance provides financial protection for your family in the event of your passing. Your beneficiaries will receive money to use as they see fit, ensuring security in a difficult time. Everyone deserves a secure financial future — and that’s why life insurance is so important. Whether you’re just starting out or you’re getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them.
When to get life insurance?
- If you were just married
- You bought a new home
- You’re expecting a new baby
Anytime is a good time, but these life events are especially important.
You want to provide your family with financial protection and peace of mind. We can help. Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately. Because of our expedited process, most customers enjoy same-day coverage. That means you can go from applying to protecting your family in a matter of minutes. That’s how easy life insurance with 303insurance is.
They are 2 main types of life insurance
1 – Term life insurance
Any term life insurance policy offers affordable, straightforward protection that lasts a defined period of time. Term life insurance is often the lowest priced coverage option, but it is temporary. You’ll receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term.
2 – Whole life insurance
Whole life insurance helps your family prepare for the unexpected. The guaranteed death benefit can help replace a family’s loss of income, help with mortgage costs, or educational needs — or to leave a legacy for the next generation without having to worry. Whole life is guaranteed to stay the same your entire life. The level premiums last 10, 15, or 20 years based on choice. Once all premiums are paid, the policy becomes paid-up while the coverage continues.
Why do you need life insurance?
Life insurance helps you plan ahead and provides long-term financial security for your family when they would need it most. You can’t put a dollar amount on your loved ones, but a term life insurance policy can help ensure their future is protected.