“Financial Guards” Insurance Brokerage helps find the LOWEST COST insurance policy for your needs, by comparing multiple insurance companies in the US with the best benefits.

 

• Coverage for Individuals & Families
• Coverage for Businesses

 

INDIVIDUAL & FAMILY COVERAGE

• • LIFE INSURANCE:
    • Term Life (temporary coverage for 10, 20, 30 years).
    • Whole Life / Universal Life (permanent, lifetime coverage).
    • Final Expense coverage – Guaranteed issue or underwritten plans.
    • Accident Life Insurance (low-cost life insurance coverage in case of accidents).
  • Income Protection / Disability Insurance (pays you a monthly income if you can’t work due to any illness or accident).
  • Mortgage Payment Protection (helps pay off mortgage in certain medical situations, or premature death).
  • Cancer & Critical Illness insurance benefits (lump-sum paid to you at first diagnosis of a covered major illness).
  • Health insurance:
    • Major medical & short-term medical plans.
    • Dental & Vision.
    • Tel-a-Doc (phone and online Dr. visits for a small fixed fee).
  • Medicare coverage:
    • Medicare health plans & Prescription drug coverage (Medicare Part C + D)
    • Medicare Supplements / MediGap
  • Long-Term Care
  • Annuities
  • Financial planning

 

BUSINESS COVERAGE

• • Employee benefits package:
    • Life
    • Health
    • Disability
    • Vision
    • Dental
    • 401(k) / retirement plans
  • Business owners coverage:
    • Solo-401(k) for a single business owner.
    • Business Overhead Expense – pays monthly benefit to cover fixed business expenses (including employees’ salaries) in case of owner’s disability / inability to participate in the business due to health reasons. Best for physicians’ offices and other professionals that are actively involved and crucial for the revenue of their business.
    • Buy-Sell Agreements funding for LIFE & DISABILITY of the business partners
    • Key-Person LIFE & DISABILITY