If you are one of the many who are either not insured or under-insured, then an individual and family health insurance plan may be the answer to your health insurance needs.Individual and family health insurance is health coverage specifically tailored to those not covered by employer groups or organizations.
A broad choice of business and family health insurance plans are available. Less expensive plans may offer coverage for when of a major accident or illness, while other plans may provide comprehensive coverage for all your healthcare needs. Call or email today and let us help you navigate through the myriad of options or offer you an alternative to your current health insurance plan.
At Lott & Gaylor, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.With the changing face of health insurance in today’s market, we at Lott & Gaylor are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.
Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty three percent of large companies provide group long term disability insurance.Your chances are even less likely to get long term disability insurance if you work for a small company. The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy and often you can get coverage automatically without having to qualify medically. If your employer doesnt provide disability insurance then you may want to consider an individual disability policy.
Or, you may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?
A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.
Life insurance from Lott & Gaylor can help you secure your family’s financial future by providing the funds they need to cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, as well as helping your family maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs, we are here to help you determine them.
Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production