A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

Do you have questions about Disability Insurance (Individual)?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Disability Insurance (Individual) or for a free review and insurance quote for Disability Insurance (Individual).

 


 

Fixed Annuities are a type of insurance contract where an insurance company makes a series of guaranteed payments in exchange for a sum of money at the outset of the contract; some fixed annuities will provide for a payment plan over time to build up the annuity lump sum. Guarantees are backed by the claims paying ability of the issuer. This type of investment instrument can help stabilize investment income, defer taxes on investment earnings, and is often part of a financial strategy for retirees or those contemplating retirement. Because of the guaranteed income stream provided by the fixed annuity, the insurance company, rather than the insured (annuity owner), takes the investment risk. Some withdrawals or distributions may be subject to surrender charges, as well as ordinary income tax at any age during the specified term of the contract. If withdrawals are made prior to age 59 , a 10% early withdrawal federal tax penalty may apply.

Do you have questions about Fixed Annuities?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Fixed Annuities or for a free review and insurance quote for Fixed Annuities.

 

 


 

As health insurance specialists, we understand the ins and outs of health care coverage. And not just policy deductibles, out-of-pocket maximums, coinsurance, donut holes, in-network, out-of-network and other sometimes confusing health policy options.

There are specialty health policies like short term insurance, international travel health plans and coverage for prescription drugs. Going it alone to find the right options at the right cost can be daunting, that's why we're here. Let us help you navigate the healthcare labyrinth...it won't cost you a penny more and your budget will thank you.

Contact us to schedule an appointment today.

Do you have questions about Health Insurance (Individual)?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Health Insurance (Individual) or for a free review and insurance quote for Health Insurance (Individual).

 


 

HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won't cover.

Do you have questions about Health Savings Account (HSA)?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Health Savings Account (HSA) or for a free review and insurance quote for Health Savings Account (HSA).

 


 

Healthcare reform may have made health insurance more affordable for many people but it hasn't made selecting the right health plan any less complicated. Deductibles, co-insurance, maximum out of pocket, covered benefits, in-network, out-of-network...the Affordable Care Act (ACA) hasn't made it any easier to sort through all the options offered by private insurers. That's why CFA Insurance Agency, LLC is here, to help you make sense of private insurance options available to you as well as options for supplementing Medicare coverage you may have.

Contact CFA Insurance Agency, LLC today and let us help you sort it all out.

Do you have questions about Healthcare Reform?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Healthcare Reform or for a free review and insurance quote for Healthcare Reform.

 


 

There are four primary types of life insurance, and each has a place in any sound financial plan. The four variations of life insurance are:

  • Term Life Insurance - fixed premiums for a fixed period of time, like 10 or 20 years
  • Whole Life Insurance - permanent insurance, as long as premiums are paid, with fixed premiums and cash value benefits
  • Universal Life Insurance - permanent insurance with options to change premiums and death benefits
  • Variable Life Insurance - similar to Universal Life but with the flexibility to choose investment risks to maximize cash value benefit

Life insurance can be used for a variety of financial planning purposes, including:

  • Paying for the education of children
  • Helping your spouse and surviving children maintain their lifestyles
  • To ensure the continuation of a business after the death of a key owner or employee

Contact CFA Insurance Agency, LLC today to review your needs and options and get you competitive quotes for the right life insurance for you.

Do you have questions about Individual Life Insurance?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Individual Life Insurance or for a free review and insurance quote for Individual Life Insurance.

 


 

America's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.

Do you have questions about Long Term Care Insurance?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Long Term Care Insurance or for a free review and insurance quote for Long Term Care Insurance.

 


 

Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.

Do you have questions about Medical Insurance?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Medical Insurance or for a free review and insurance quote for Medical Insurance.

 


 

What is Medicare Supplement Insurance?

Medicare Supplement insurance, also called Medigap Insurance, helps cover some costs that Medicare insurance by itself won't pick up. It also delivers a few other important benefits:

  • You can choose care from any doctor that accepts Medicare insurance
  • Medicare Supplement insurance is guaranteed renewable, as long as you pay your premium
  • You have a choice of private insurers through which to purchase Medicare Supplement insurance
  • Medicare Supplement policies can be used to cover Medicare co-pay costs
  • Medigap insurance can be used with Medicare prescription coverage to control out of pocket medication costs

What should you know before you get Medicare Supplement insurance?

Medicare Supplement Insurance doesn't cover everything. Some notable exclusions are long term care, vision, eyeglasses and dental. There are also several different standard medigap insurance policies - twelve, in fact, each one provides different levels of insurance coverage. Medicare Supplement insurance is available in most states, but not everywhere.

What kind of Medicare Supplement Insurance should you get?

There are a number of factors to take into account when choosing Medicare Supplement Insurance. Contact one of our insurance professionals for help in identifying your needs and options.

Do you have questions about Medicare Supplement?

Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Medicare Supplement or for a free review and insurance quote for Medicare Supplement.