WHEN YOU NEED IT, INSURED AMERICA HAS IT
From Health, Dental, Vision, Life, Auto, and even Home Renter's Insurance to Disability and Insurance Supplements of all types,
We can provide everything you need that will give you the peace of mind you need and deserve.
HEALTHCARE OPTIONS
HEALTH COVERAGE OPTIONS FOR INDIVIDUALS, FAMILIES, BUSINESS GROUPS & EMPLOYEE BENEFITS
Healthcare insurance and employee benefits have become complex, expensive and time consuming for most individuals, families and business! We can help navigate through plan options and find the right fit for you!
INCLUDING MEDICARE & Rx DRUG PLANS!
We also have non-marketplace options that are sure to ease the cost and burden including options for Direct Primary Care! The newest model of healthcare which is fast becoming an excellent option for individuals, families and businesses alike!
HEALTH SHARE OPTIONS
Health Share Communities are becoming wildly popular to help individuals, families AND businesses slash the high costs of their health coverage needs while providing quality care to their members! We have multiple options to choose from that can fit your unique needs. Some of which have no "faith based" requirements attached!
THE VALUE OF LIFE INSURANCE
Life insurance is meant to protect income in the event a loss of a loved one or contributor to income occurs. A loss of income to our survivors would be devastating!
We feel all individuals, regardless of age or marital status, should carry this type of insurance coverage as our ability to make an income is truly THE single most important asset an individual will ever have!
WHAT KIND OF LIFE INSURANCE?
Not all Insurance is created equal!
Including TERM Life!
All too often Insurance companies sell policies that do not address the needs of the individual or family. This is just plain WRONG! In addition, there are so many "loopholes" in the policies that sometimes the survivors never see the monetary benefit that was due to them! Be sure to have an advisor make sure the policy you purchase is not only the right "type" of plan but also covers the areas of concern you need in the event a loved one should pass. Just because a policy might be "cheap" there is no return of the money saved if the policy never pays!
Insured America believes that a Fixed and Level TERM insurance policy is the ONLY type of Life insurance applicable to purchase for the vast majority of people. Term provides a much higher level of value when you need it the most for a much lower overall cost. Any policy that has a "Cash Value", or "Savings" Account tied to it s is NOT the answer! This includes "Whole Life", "Universal Life" and "Variable Life". There are MUCH better ways if you are looking at building a "cash account". A LIFE insurance policy IS NOT one of them.
WHAT TO LOOK FOR
Choosing a policy, even a Term policy, can be confusing. Most all Term policies are nothing more than "Cash Value plans in sheep's clothing"! Many are "Annually Renewable," or "ART" for short, which is code for; yearly increasing premium as well as having to re-apply for coverage each year! Be very careful with these types of policies. You may actually lose coverage if you cannot afford to convert them in the event you obtain a medical condition or otherwise not become uninsurable for any other reason.
Insured America is VERY astute to the games of the life insurance industry. We can guide you to plans that don't have "surprises" in the future!
We live by the motto that "bad insurance isn't good and good insurance isn't necessarily cheap." However, your budgeting for a policy that will be of greatest value to your family is our top priority!
AUTO/HOME & RENTERS INSURANCE
AUTO
Not only is Automobile Insurance coverage required by law but most companies UNDER-INSURE their clients which puts them at risk of major personal losses in the event of an accident.
We can shop many highly rated companies to get you the coverage you need at the best available price!
HOME OWNERS
Can you afford not to protect your investment of your largest asset? Get the coverage you need to protect your home and personal belongings in the case of fire, theft and natural disaster today!
RENTERS
Renter's Insurance is a way to protect your personal belongings when renting a home or apartment. Most rental agreements require this type of coverage be purchased by the renter.
Short Term Disability
If you were injured and could not work for a period of up to two years in your current occupation, could you live without a paycheck?
Short term disability eases the burden by supplying benefits paid to you in case you lose income!
Long Term Disability
Disaster can strike anywhere and at any time! In the event you are not able to return to work, Long Term disability can provide benefits for a permanent or partial disability sustained from your occupation!
High Net Worth Income
Disability
Doctor's Lawyers, Actors, Entertainers, and professional athletes. White Collar and Blue Collar disability insurance are crucial to the continued preservation of your assets when a disaster strikes and you cannot continue in your high paid field.
INSURANCE SUPPLEMENTS & "NICHE" INSURANCES
Medical Supplements
We carry a broad range of medical insurance supplements and "Gap" insurance plans ranging from Hospital Indemnity and Accident plans to AD&D, Critical Illness, Rx Drug Coverages and More. Everything you need to protect your health and life!
Medicare Supplements and Rx Drug Plans
Are you turning 65 years of age and ready for Medicare? Do you currently have a Medicare plan but feel like you are overpaying? We have some excellent Medicare plans including Prescription drug coverage at excellent rates!
"Niche " Insurances
"Niche" coverages include things like...
In/Out of Country Travel Insurance and coverages that can't be found elsewhere including high dollar coverages on personal items.
As well as things normally declined by domestic carriers!
If you have something you want insured, chances are we can find the policy to cover it!
DENTAL
Multiple Dental Insurance coverage options to get you exactly what you need from low cost solutions to "Cadillac" type plans with no networks, no waiting periods and One Time, $100 Lifetime deductibles!
VISION
Flexible, Affordable Vision Care for Individuals and Family!
Indemnity plans or VSP provider plans available in your area!
DENTAL/VISION
COMBO
Combine Dental and Vision to save even more $$$
Insured America has many dental and vision plans to choose from including Health Share type Dental/Vision!