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Frequently Asked Questions

Find answers to the most common questions about our insurance products and services. We're here to help you make informed decisions about your coverage.

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IUL - Indexed Universal Life

Questions About IUL - Indexed Universal Life

Indexed Universal Life (IUL) is a type of permanent life insurance that combines a death benefit with a cash value component. The cash value can grow based on the performance of stock market indexes (like the S&P 500) while providing downside protection - your cash value won't lose value due to market declines, though it may not earn interest in down years.

Ready to Get Started with IUL - Indexed Universal Life?

Flexible permanent life insurance with cash value growth potential tied to market indexes, offering both protection and wealth accumulation.

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ACA – Affordable Care Act

Questions About ACA – Affordable Care Act

The Affordable Care Act, also known as Obamacare, is a federal law that provides access to affordable health insurance through the Health Insurance Marketplace. It offers subsidies, tax credits, and ensures coverage for essential health benefits including preventive care, emergency services, and prescription drugs.

Ready to Get Started with ACA – Affordable Care Act?

Get comprehensive health coverage through the ACA Marketplace with premium tax credits and essential health benefits.

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Dental & Vision

Questions About Dental & Vision

While some health plans include limited dental and vision benefits for children, most adult health insurance plans don't cover routine dental cleanings, eye exams, or corrective lenses. Separate dental and vision insurance helps you maintain oral and eye health affordably, covering preventive care, treatments, and sometimes orthodontics or LASIK surgery.

Ready to Get Started with Dental & Vision?

Affordable dental and vision insurance plans to help maintain your oral and eye health with coverage for exams, cleanings, and treatments.

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Final Expense (Burial)

Questions About Final Expense (Burial)

Final Expense insurance (also called burial insurance or funeral insurance) is a type of whole life insurance designed to cover end-of-life expenses such as funeral costs, burial or cremation expenses, medical bills, outstanding debts, and other final expenses. It typically offers smaller death benefits ($5,000-$50,000) and is easier to qualify for than traditional life insurance.

Ready to Get Started with Final Expense (Burial)?

Affordable permanent life insurance designed to cover funeral costs, medical bills, and other final expenses, providing peace of mind for your loved ones.

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Hospital Indemnity

Questions About Hospital Indemnity

Hospital Indemnity insurance is a type of supplemental insurance that pays you fixed cash benefits (a set dollar amount per day) when you're hospitalized. Unlike traditional health insurance that pays providers, Hospital Indemnity pays benefits directly to you, which you can use for any purpose - medical bills, lost income, household expenses, or other needs.

Ready to Get Started with Hospital Indemnity?

Supplemental insurance that pays cash benefits directly to you when you're hospitalized, helping cover expenses not covered by your primary health insurance.

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Short Term Medical

Questions About Short Term Medical

Short Term Medical (STM) insurance provides temporary health coverage for periods typically ranging from 30 days to 12 months, with some plans allowing renewals up to 36 months. It's designed to fill coverage gaps when you're between jobs, waiting for ACA enrollment, or in other transitional situations.

Ready to Get Started with Short Term Medical?

Temporary health insurance coverage for gaps between major medical plans, offering quick enrollment and flexible terms.