Phone: 618.542.5370
Fax: 618.542.2495

740 S. Washington Street - DuQuoin, IL 62832

Health & Life

Understand the basics of Health & Life Insurance

Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs.  No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers other important benefits.

 

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Term Life Insurance

The most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term.

Permanent Life Insurance

As long as you pay the premiums, have no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, premiums are higher than Term insurance.

Health Insurance

Some key benefits of health insurance are access to a network of doctors and hospitals, and other resources to help you stay healthy. With health insurance, you’ll enjoy: being able to find the help you need close to home, peace of mind and less worry because you know you’re covered and access to affordable care and health information to keep you healthy.  Also … It’s the law.  The Affordable Care Act requires that most people have health insurance or pay a penalty. If you have a health insurance plan that meets the requirements, you won’t have to pay the penalty.