Individual Life & Health
Crest Insurance can help keep your shopping experience simple and smart. One of the biggest benefits of an individual policy is choosing the one that fits your lifestyle and budget. We help you find the insurance to cover your specific needs. This type of flexibility may not be possible with group health insurance. At Crest, we are focused on solutions for you.
Individual Health Insurance
Don’t go it alone. Selecting the right health care plan for all but the most basic coverage requires a thorough analysis of your unique circumstances. There is no cost to you to use our services, and we can help you identify a plan that will suit you and your family needs. At Crest, we review both plans on the health insurance exchange and plans with private insurers, giving you the details and options you need for the best coverage.
Individual Life Insurance
Do you feel challenged to choose the appropriate individual life insurance plan for you? Don’t worry. Crest’s life insurance brokers can guide you through the entire process of buying permanent or term life policies—from gathering bids to servicing your account afterward.
Permanent life insurance includes two primary types: 1) Whole life insurance, which offers consistent premiums and guaranteed cash value accumulation, and 2) Universal life insurance, which offers more flexibility in premium payments, death benefits and other policy elements than whole life. With a Universal policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. Either option is suitable for long-term coverage; simply choose based on your individual situation.
Term life insurance is an option when you need a specific level of insurance for a limited amount of time—for example, to ensure your family is covered after taking on a large home mortgage. The term insurance, provided at a fixed rate, does not accumulate any cash value over time. Generally, at the end of a term policy, you have the option to convert all or a portion of the policy into a permanent insurance policy.
Disability Insurance
What would happen if you sustained a significant injury and could not work for a period of time? If you are the primary income earner of your household, it could mean financial hardship, particularly if you don’t have disability insurance. Disability is a common cause of bankruptcy. While social security and workers’ compensation may offer some benefits, it may not be enough income to pay for everything you need. We help you formulate an important backup plan if you can’t go to work and need to keep up your income while recovering.
Long Term Care
Planning for your longevity and the associated long-term care, also known as extended care, that is likely to accompany it is important. By extended care, we mean a variety of services designed to meet a person’s health or personal care needs during a short or long period of time.
These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own due to a chronic impairment.
By planning for long-term care, you have the opportunity to help family and other loved ones understand your expectations for the future, ensuring both your needs, and theirs, are met. By delaying or not implementing a plan, you could leave those you care about exposed to the emotional, financial, and physical stress of assisting a family member needing extended care.
Crest has Certified Long Term Care Specialist who can help you find the solutions that best fits your needs.
