The need for insurance of various types is inevitable in during life. Making sure that we are protected during times of trouble is the entire point after all. The need for medical insurance is best shown by a trip the doctor's office, or the hospital. The bills become very large very quickly. Another situation is at the end when we are called home. We need to make sure that the ones that we love have something which is there to help them when we are not. These are the reasons that Stegosaur has also decided to sell insurance as well as other financially based products. For more information refer to the links in the cover photo. The Life link will take you to the life page, and the same is true of the Medical link taking viewers to the medical page.
The need for supplemental to core major medical insurance is more and more apparent each day. The way that the premiums, and deductibles continue to rise higher and higher. Then there are services which core major medical insurance just does not cover anymore. These are the parts where supplemental policies can really shine. The way these polices shine is they do not make sure the doctor and hospital are paid; they instead pay the employee. The way the employee is paid can also be used to offset deductibles for core major medical insurance which would in effect take the deductible for the core major medical policy out of the picture entirely while offering coverage(s) themselves (being policy specific). A fact that is commonly unknown is that approximately 68% of bankruptcies in our country [USA] happen because of medical bills and debt. To dig a bit further roughly 72% of them had a core major medical policy in place at time of filing for bankruptcy. What supplemental policies are great for is to protect people's incomes, and retirements. The way that supplementals do this is by providing money for the individuals covered by the policies in place. The polices provide money that cone be used to cover monthly bills such as but not limited too; mortgages, utilities, food, other medicine, or other expenses not listed. We understand that these things happen regardless of being ill or injured. The way that these protect our retirement is by providing the money to cover the bills, and not needing to dip into our retirements to cover those bills. Instead the retirement funds that we have can be used for the retirements that we have individuals have planned.
Thinking about the time that happens after retirement when we are called home for the final time Life products can be used to help take care of loved ones when the time comes that we no longer are able to. These products can also be used in ways that will help with a person's retirement by offering a type of hedge against various types of business risks such as Key-Person Risk. There are also small policies that are designed to take care of final expenses as well as just a bit left over to help after we are not here. These types of policies are generally fairly low priced depending on health of the individual applying for coverage. An interesting fact about life insurance is that about 40% of people in the USA do not have any, or enough life insurance to be able to take care of expenses after they are gone. By talking to an insurance agent with Stegosaur we can make sure that a proper fit policy is in place for indviduals. Our goal is not to sell the maximum amount of insurance, but the proper amount of insurance to people that way they are covered. This can also be viewed as a form of income protection. The payout being assinged by the coverd to a beneficiary that is a loved one can protect the loved one's income should something happened to the covered person. There have also been times when funeral expenses have bankrupt entire families trying to take care of someone after they have passed.
Our agents will also make sure that individuals know what is in their coverage packages they are purchasing. Should a person say I do not want to buy your products. And, I have no idea what is in what I have already. A Stegosaur agent will happily explain what the person has in place already knowing full well they are not going to make a sale by the end of their time with the person. We are here to help should we be asked to. We view ourselves as fiduciaries and behave as such. A fiduciary is a person in the finical sphere who places their clients interest above their own.
To arrange a meeting please follow the LINK TO MEET.