Good Decisions Today for a Healthy Tomorrow.
Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
Have you been told that you can’t get insurance for yourself or your family because open enrollment has ended? This may not be the case if you have experienced a qualifying life event.
Individual & Family Health Insurance
When it comes to your health, and the health of your family, you can never be too careful. With the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs. Other important plans include dental, vision, long term care and short term care.
Each situation is unique. Reach out to Lindfors today to speak with an agent to get the best package for your needs.
As an employer in today’s business world, Lindfors Insurance Agency knows how important it is to provide health insurance to the most valuable asset of your business – your employees. At Lindfors Insurance Agency, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable but complements your business’ needs.
Turning 65? At Lindfors Insurance Agency, our agents are experienced in all Medicare plans including Medicare Advantage Plans, Medigap Supplement Plans and Prescription Drug Plans. Talk to an agent today and let us help you find the best plan for you.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Protect What Matters Most
A life insurance policy can help protect your loved ones from financial hardship when you pass away. It is a legally binding agreement between you and your insurer in which they agree to pay your beneficiaries a lump sum, also called a death benefit, after you die.
Term Life Insurance provides coverage for a set period (e.g., 15 or 20 years). Your insurance company will typically only provide a death benefit if you die during that term.
A whole life policy will give you lifelong coverage as long as your premium is paid on time. These policies offer a savings element and build cash value over time.
Universal life insurance policies offer flexibility and build interest which may be used to pay the premiums. They build cash value that can be borrowed against and the death benefit is adjustable.
Long Term Care
Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.
Choosing the right disability coverage is important. In the event you become disabled, you’ll want to ensure that you and your family have enough coverage. A representative at Lindfors Insurance Agency will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.
International Travel Medical Insurance
An accident can happen at any time – even on vacation. The best way to ensure that you’re protected at all times is with a Travel Health Insurance plan that’s right for you. The last thing you’ll want to experience is sickness or injury in an unfamiliar place. Call us today to discuss your travel needs for your next trip with an expert at Lindfors Insurance Agency.