Disability Insurance

 

It helps to think of disability insurance as financial protection for your most valuable asset — the ability to work and earn a living.

Homeowner’s insurance protects where you live. Car insurance protects what you drive. Health insurance protects your well-being. But what protects your ability to earn an income? To protect your paycheck, there’s disability insurance. Disability insurance is designed to replace a percentage of the income you lose due to your inability to earn a paycheck. Having disability insurance means being able to buy food, pay bills, and cover household expenses while you’re unable to work. According to the Social Security Admistration, more than 25 percent of today’s 20-year-olds will experience a disabling event that prevents them from working for at least three months before retirement. And when you consider the most common causes of long-term disabilities, it’s really not all surprising.

• Arthritis
• Back pain
• Cancer
• Depression
• Diabetes
• Heart disease
• Stroke

Disability income insurance is an intelligent investment for young, healthy individuals who want to secure their financial future. Without disability insurance, a bad accident, loss of vision, chronic condition, or illness could cause financial hardship. Even a temporary disability can cause you to deplete your savings, fall behind on bills, and rack up debt.

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Dental, Auto/Home, 
and Pet

Association for Entrepreneurship Police Benefits

Dental, Vision, Critical Illness, and Guaranteed Issue Life Insurance

 

Through volume and purchasing, the Association for Entrepreneurship (AFEUSA) has negotiated competitive discounts and offerings across a full spectrum of products and services.

We have secured an agreement with the AFE to open its membership for police officers through your Benefits Plan!

Here are just a few examples of offered products with exclusive rates:

• Life Insurance Coverage - Guaranteed Issue for all members!

•  The Standard Dental Plan or United Concordia Dental Insurance 

AFEUSA provides members access to high-quality, affordable dental care through The Standard Dental or United Concordia Dental.  You choose the company and the coverage. There are No Waiting Periods/First Day Coverage. Members can carry over qualified unused portions. Guaranteed Acceptance: the primary member must be at age 18, and coverage is available to all eligible family members. Membership and coverage are effective on the first day of the following month after purchase.

• VSP Vision Insurance Plan

Vision care is important for your eye health and overall wellness - you and your eyes deserve to be healthy! AFEUSA is pleased to offer the VSP^® vision care plan. VSP^® is the largest vision benefits provider in the United States. VSP^® has over 36,000 providers nationally - the largest independent eye care provider network in the U.S.A.

• Zurich Critical Illness Insurance

The Critical Illness Plan provides cash benefits for Cancer, Heart Attack, Stroke, and certain other illnesses to help cover out-of-pocket medical and other non-medical expenses. Insureds can use the lump sum benefit payment for any purpose they choose, such as paying deductibles, co-pays, coinsurance, childcare, transportation costs for themselves or family members, loss of income, or any other financial need.

Explore Available Benefits!

   

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Critical Illness Insurance

 

Critical Illness Insurance 

Many people select an individual critical illness insurance policy to lessen or eliminate the financial stress of a major illness. The policy pays a one-time lump sum benefit for a covered illness, with benefits amounts up to $75,000. Apply online in minutes and get an instant decision.   What does Critical Illness Insurance cover?

• Heart attack
• Kidney (renal) failure
• Invasive cancer
• Coronary artery bypass surgery
• Angioplasty
• Advanced Alzheimer's disease
• Stroke
• Major organ transplant
• Paralysis
• Non-invasive cancer
• Coma

Having a critical illness policy not only benefits the ill but also helps the family members as well. It can provide much-needed funds to pay the doctors and the hospital and give money to keep your financial affairs in order as you mend. Buying individual coverage begins just like any other type of insurance today: getting a personalized critical illness insurance quote online.  

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Coming November 1st!  For more Insurance services, visit Telemedicine, Term Life, Critical Illness, Disability, Health, Dental, Auto/Home, Pet, and Firearm.