Whose Going To Pay Your Bills During A Medical Leave? Stradling & Spece Insurance Agents In Honey Brook, That’s Who!

Should You Get a Supplemental Health Insurance Policy? Stradling & Spece Insurance can answer your questions!

Generally, supplemental insurance is thought of as only for senior citizens on Medicare. However, anyone can buy a supplemental policy. These policies work with the insurance coverage you already have, acting as an “add-on” to give you extra coverage. With this type of insurance, you typically receive direct cash benefits regardless of what your other insurance pays.

There are three main types of supplemental policies:

Disease Specific Insurance. This policy pays you cash benefits if you require treatment for a specific disease, such as cancer.

Accident Health Insurance. This policy reimburses you for medical costs resulting from accidents. It can also pay cash benefits if the accident disables you or if you lose your vision or a limb, finger, or toe. If you die because of an accident, your beneficiaries receive the payments.

Hospital Indemnity Insurance. This policy provides a daily, weekly, or monthly cash benefit if you’re in the hospital for over a specific number of days.

Should You Get a Supplemental Policy?

Before you consider buying supplemental medical insurance, you must have a good basic insurance policy. Then, you might consider a supplemental policy if you can afford it and you’re at high risk for serious illness, accidents, or hospitalization - for example, if your family has a history of cancer or another serious health problem. Read more

Find insurance that’s right for you with Southeastern PA Insurance, LLC

Do you have enough coverage — or the right coverage? Request a free insurance evaluation from Southeastern PA Insurance to ensure that you have to proper coverage for yourself and you family.  Southeastern PA Insurance is your hometown insurance specialist, dedicated to finding you the right coverage at an affordable rate for all of your insurance needs- auto insurance, renters insurance, and commercial insurance as well.  Read more

Get an Annuity and be sure you have a solid retirement plan-company plans are a thing of the past

Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. With an annuity, you can benefit from tax-deferred savings and ensure that you have a guaranteed income in retirement. So how can an Annuity help you? Read more

Should You Get a Supplemental Health Insurance Policy? Stradling & Spece Insurance can answer your questions!

Generally, supplemental insurance is thought of as only for senior citizens on Medicare. However, anyone can buy a supplemental policy. These policies work with the insurance coverage you already have, acting as an “add-on” to give you extra coverage. With this type of insurance, you typically receive direct cash benefits regardless of what your other insurance pays. There are three main types of supplemental policies:

Disease Specific Insurance. This policy pays you cash benefits if you require treatment for a specific disease, such as cancer.

Accident Health Insurance. This policy reimburses you for medical costs resulting from accidents. It can also pay cash benefits if the accident disables you or if you lose your vision or a limb, finger, or toe. If you die because of an accident, your beneficiaries receive the payments.

Hospital Indemnity Insurance. This policy provides a daily, weekly, or monthly cash benefit if you’re in the hospital for over a specific number of days. Read more

Find out more about Mortgage Life Insurance with Kreger Agency - Nationwide Insurance!

Mortgage Life Insurance refers to an insurance policy that guarantees repayment of a mortgage loan in the event of death or, possibly, disability of the mortgagor. Private Mortgage Insurance (PMI) refers to protection for the lender in the event of default, usually covering a portion of the amount borrowed. There are Government loan products that also include a Mortgage Insurance Premium (MIP), essentially the government equivalent of PMI. Read more

Variable Life Insurance! Is it variable? Find out from Evans, Houseman & Richard, Inc.

 Variable Life Insurance - also called Variable Appreciable Life Insurance - provides permanent protection to your beneficiary upon your death. This type of life insurance is “variable” because it allows you to allocate a portion of your premium dollars to a separate account comprised of various investment funds within the insurance company’s portfolio, such as an equity fund, a money market fund, a bond fund, or some combination thereof. Hence, the value of the death benefit and the cash value may fluctuate up or down, depending on the performance of the investment portion of the policy. Although most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum, a minimum cash value is seldom guaranteed. Read more

Could you continue to pay your bills if you were unable to work for any length of time because of illness or injury? Southeastern PA Insurance, LLC

Could you continue to pay your bills if you were unable to work for any length of time because of illness or injury? If you were to become disabled, do you know how much money would be coming in each month and from what sources? Disability income insurance provides you with income should you become sick or injured and unable to work. It helps protect against family financial catastrophe by giving you an income to meet daily expenses. Disability income insurance comes in two major forms. Read more

Find the Right Annuity to Fit Your Income Needs

Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. With an annuity, you can benefit from tax-deferred savings and ensure that you have a guaranteed income in retirement. So how can an Annuity help you?

No matter how well you plan, factors like inflation, tax hikes and increased medical expenses can potentially eat away at your retirement savings, forcing you to suffer a lower quality of life or rely on your family for financial support in your golden years. An annuity can help you avoid a future dilemma and safeguard your financial security by providing you with guaranteed income throughout retirement. Have Rick LeCates Insurance Services set you up with fixed Annuities today! He is happy to explain the options available to you, and help you find the right annuity to fit your income needs. Read more

Stranding & Spece can help you with all of your insurance needs!

 
Stranding & Spece Insurance has a commitment to maintain a high standard of excellence in all that we do and to establish a firm relationship of mutual trust and service with each of our clients. Stranding & Spece can help you with all of your insurance need and they even have coupons!

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Find the auto insurance that’s right for you!

Do you have enough coverage — or the right coverage? Request a free insurance evaluation from Southeastern PA Insurance to ensure that you have to proper coverage for yourself and you family.  Southeastern PA Insurance is your hometown insurance specialist, dedicated to finding you the right coverage at an affordable rate for all of your insurance needs- auto insurance, renters insurance, and commercial insurance as well.  Read more

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