Life, Health & Long Term Care
Protect your family's future, your health, and your long-term care needs with comprehensive coverage options.
Life Insurance
Life insurance provides financial protection for your loved ones in the event of your passing. Whether you need coverage to replace income, pay off a mortgage, fund your children's education, or leave a legacy, we can help you find the right policy.
As an independent agency, we work with multiple life insurance carriers to find you the best coverage at competitive rates.
Term Life Insurance
Affordable coverage for a specific period (10, 20, or 30 years). Ideal for young families and mortgage protection.
Whole Life Insurance
Permanent coverage that builds cash value over time. Provides lifelong protection with guaranteed premiums.
Universal Life Insurance
Flexible permanent coverage with adjustable premiums and death benefits. Combines protection with savings.
Final Expense Insurance
Smaller policies designed to cover funeral costs and end-of-life expenses, easing the financial burden on your family.
Health Insurance
Navigating health insurance options can be overwhelming. Our experienced agents help you understand your choices and find a plan that fits your healthcare needs and budget.
Whether you need individual coverage, family plans, or Medicare supplements, we guide you through the process and help you make informed decisions.
We Can Help With:
- Individual & Family Health Plans
- Medicare Supplement (Medigap) Plans
- Medicare Advantage Plans
- Prescription Drug Plans (Part D)
- Short-Term Health Insurance
- Dental & Vision Coverage
Common Questions
Long Term Care Insurance
Long-term care insurance helps cover the cost of extended care services — whether in a nursing home, assisted living facility, or in your own home. Medicare and health insurance typically do not cover these costs.
Planning ahead for potential long-term care needs can protect your savings and give your family peace of mind. The earlier you plan, the more affordable coverage options are available.
Why Consider Long Term Care Insurance?
- The average cost of a private nursing home room in Ohio exceeds $90,000 per year.
- About 70% of people over age 65 will need some form of long-term care.
- Medicare covers only limited short-term skilled nursing care.
- LTC insurance protects your retirement savings and assets.
- Earlier enrollment means lower premiums and more options.
Ready to Protect What Matters Most?
Let our experienced team find the right coverage for you at a competitive price. Family-owned service since 1912.