Annuities, Life & Health Insurance

Whole & Term Life Insurance
Health Insurance
Long Term Care
Disability Insurance

Health Insurance

As an independent insurance agency, we are solely dedicated to helping our clients find the best health insurance policy fit specifically for your needs.  We listen, ask questions, and then go to work to find the right policy for our clients.  

Health plans for the following:
  • Individuals
  • Families
  • Self-employed
  • Small business owners
  • Aging off parent plans
  • No employer group coverage
  • Contract employees
  • Medical plus dental
  • ACA Marketplace
  • Pre-existing conditions
  • Traveling Nurses
  • Others types as well!
Carriers quotes to include:
Health Maintenance Organizations (HMOs)
Preferred Provider Organization (PPOs)
High-Deductible Health Plans (HDHPs)
Short-Term Medical Plans

Long Term Care

Getting older comes with its challenges and us Americans are living longer than ever.  Most of us will need some extra help with everyday activities.  70% of people turning 65 can expect to use some form of long-term care during their lives.  Long-term care is the kind of care you need if you are not able to perform normal daily activities without help: eating, dressing, transferring, bathing.  It can provide care in your home, adult or elder daycare, an assisted living facility, or a nursing home. 

Incidents that bring rise to needing long-term care:
Car accident
Sports accident
Disabling injury
Multiple sclerosis
Other disabling condition
Old age
Hybrid Long-Term Care Policies are now being developed that bring some great benefits:
  • Death benefit – policy will pay an amount to the beneficiary of the policy if the long-term care feature is never utilized
  • Return of premium – similar to the above, if the long-term care feature isn’t used utilized a percentage of the premium will be returned
  • Guaranteed premium – premium will remain the same for the life of the policy

Keen Coverage

It is our job to shop multiple insurers on your behalf. We will invest the time to get to know you and your family’s background so that we can offer a full insurance plan.  This includes health, life insurance, long term care, disability, business, and surety policies.