Life
Insurance:
Whether you wish to
protect your mortgage, provide for a child's education, or
supplement your retirement, our goal at Leavell's is to help you
design an insurance program within your means to meet your goals.
All products are
available and each will serve a specific need. Along with our
knowledgeable professional staff to assist, you can select from
the following products to secure your financial future:
- Term Insurance
- Universal
- Life Disability
- Whole Life
- Key Man Life
- Long Term Care
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Health
Insurance:
In most cases,
private health insurance comes through your employer, who picks up
the vast majority of the premiums. Usually, you'll have some
choice as to the type of plan you have. The job of choosing the
coverage options is left to the employer.
If you're
self-employed or work for a company that doesn't offer health
insurance, you can buy it on your own. Taking that route isn't
cheap. You may have a wide range of plans and plenty of coverage
options to choose from, but the final decision will probably come
down to what you can afford.
In 1995, more than
60 percent of Americans under the age of 65 had some type of
private health insurance. Many of us have the coverage, but
understanding the different kinds of health insurance can be a
challenge. No matter who pays the premiums, make sure you know
what you're getting.
Private health
insurance can be broken down into two broad categories:
traditional and managed care. Within those categories, there are
four basic types of plans:
- Traditional
indemnity plans, which are now often called Fee-for-service;
- PPO, or
Preferred Provider Organizations;
- POS, or
Point-Of-Service plans;
- Closed-panel
HMO, or Health Maintenance Organizations.
No one type of
health care plan is better than the other. It really depends on
your needs and preferences. Some people enjoy the autonomy offered
by fee-for-service plans, while others prefer the low costs
associated with closed-panel HMOs. Also, as health insurers
compete for business, distinctions among the types of plans may
blur.
Still confused
about health insurance...give us a call. We have the
answers!!!!!
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Group
Life, Health
Life and
Financial Services
We assist clients
with the buy/sell funding, key man life insurance, deferred
compensation, transfer of capital, disability income, and estate
planning, as well as other tax favorable solutions for business
and personal financial planning problems.
Employee
Benefits
We assist clients
by designing, marketing, managing and servicing group Life,
Health, Dental, and Disability programs. Leavell Insurance works
with employee groups to develop both conventionally funded and
self funded plans. Our professionals stay fully abreast of the
rapidly changing group marketplace, making sure that our clients
have the most appropriate coverage at the lowest price.
Products and
Services Include:
- Individual
Life/Health Annuities
- Long Term Care
- Group Life and
Health
- Business
Insuring Agreements (Buy-Sell)
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Contact Leavell
Insurance today for help in determining which of our products and
services is right for you.
You have nothing to lose!! Get a free quote!!
Call us at (575) 393-2550 |
