Life & Health Insurance
What is Life Insurance?
This isn’t even named correctly. It should actually be called Death Insurance. Here is the dictionary definition of Life Insurance.
Life insurance is a contract between the insurer (Insurance Company) and the policy owner (You) whereby a benefit is paid to the designated beneficiary (Heirs or Business Partner) if an insured event occurs (Death) which is covered by the policy.
Life insurance comes in a variety of different options. Essentially there are really only two types of life insurance. (Permanent and Temporary Life Insurance)
Permanent Insurance is very expensive and is available under what is called whole life, universal (flexible premium) life, variable, indexed and some assorted other options.
Temporary or Term Insurance is set up for a specific period such as 5,10,15,20,30 years at which time the policy either converts to a permanent policy or because of inflated premiums the policy is too expensive to keep and terminates due to a lapse in premiums.
Today we have policies that include Long Term Care coverage (Nursing Facility Coverage) for incapacitated seniors or individuals and assorted uses of other policies.
Many questions can be answered to your specific requests. You will want to ask for assistance from our knowledgeable staff.
What is Health Insurance?
Health insurance is very different from many other types of insurance. Coverage comes in the form of a policy either through and employer (Group) or on a specific person or their family (Individual).
Group insurance if under a company plan is usually Guarantee Issue, which means regardless of the individual employees or dependents health status they will qualify for the coverage.
Individual insurance is underwritten by the insurance carrier and they look at the individual or the families’ medical history to determine if they qualify for the coverage. There are an assortment of different options and policies and carriers. Again please ask for assistance from our knowledgeable staff.
No matter where you are in life, we can find you a plan that will fit your health care needs, as well as your budget. We are committed to simplifying your life and improving your health. Health insurance can cover prescription drugs, doctor visits, emergency care, lab and x-rays.
Losing a loved one is hard enough without having to worry about financial obligations. Families are often unprepared for this sudden loss; Murray & Murray Insurance agency can help you find the right policy and right amount for you and your family.
Dental care can play an important role in your health. Early signs of oral health problems can be detected in regular checkups and cleanings. Regular checkups and cleanings reduce the risk of permanent damage to your teeth and gums and prevent costly treatments down the road.
As an employer, you have a critical need for a cost-effective employee benefits strategy that not only protects the health and well-being of your employees but enables you to remain highly competitive in attracting and retaining qualified employees. Murray & Murray Insurance Agency offers a wide selection of employee benefits products and services.
Medicare Prescription Drug Plan
Most drugs are not covered under original Medicare, this is why you should also sign up for a Medicare prescription drug plan. A Medicare part D plan helps cover the cost of prescription drugs.
Medicare supplement plans can help cover the gaps in coverage that Medicare alone doesn’t. Medicare pays for many health care services and supplies, but it doesn’t pay for all of them. A Medicare Supplement plan will help pay for those costs which are not covered. This could include deductibles, coinsurance and copayments. A Medicare Supplement Plan allows you to see any provider who accepts Medicare without a referral.
Medicare Advantage Plan
With a Medicare Advantage plan, the private insurers administer all your Medicare benefits. With most companies you pay nothing for routine physical exams, screenings, and other Medicare-covered preventative services!
You can select a Medicare Advantage Plan with or without prescription drug coverage. You choose the plan that best meets your needs. With a plan that includes prescription coverege , you'll have one plan that takes care of everything.
Unique international health insurance and trip protection plans. U.S. regulated policies, designed to protect you. Access to the very best providers internationally.
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