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Term Life / Universal Life

Term Life Insurance provides income protection for accidental death and possibly debilitating injuries for a specified period of time (the term).  

  • cost less than Universal Life

  • even less in the earlier years of life

  • Premium rise in accordance with increasing risks and advancing age

  • Policy expires at end of term

  • May require medical exam

  • Direct enrollment/purchase from this site

Universal Life Insurance has a cash value that builds up as you pay premiums. It's sort of a hybrid savings account product.

Premiums are higher than Term Insurance because of the savings component.

  • All Ages

  • Face Amounts up to $10 million

  • May require medical exam

  • No term, pay premium until death

  • Cash saved may be withdrawn and re-invested elsewhere

  • Fully Underwritten

Shop | Compare | Enroll Online.  Select a product:

Disability

Disability Income (DI) Insurance is an Income Protection in case you get injured, sick, or figured in accident that disables you to work or earn income. Main categories of DI:

  • Short term -- temporary disability from 7days to 2years

  • Long term -- permanently disabled

  • Critical care illness coverage

  • No medical exams

  • Buy online

  • Income replacement in the event of disability

Product Information:

  • Ages 18 to 60, covers up to age 65

  • Face Amounts up to the higher of your income or $100,000

Additional Product features:

  • Covers both manual and non-manual jobs

  • Check Policy for "Waiver of Premium for Disability" clause so you may stop premium payments when disabled and continue to be covered.

Healthcare - Individual and Family Medical Plans

Individual or Family Health Plans by State:

 

Checkout available plans for your State of residence. 

  • Minimum Essential Coverage (MEC)

  • For Individuals, Spouse and child (Full Family)

  • Or Child Only

Convenient filters:

  • narrow down or expand your selections such as:

  • $0 deductible

  • $100 - $200 monthly premium range

  • Types of coverage including specialty clinics or doctors

Compare Plans:

Compare On-Exchange (federal marketplace) or Off-Exchange (open market) plans

  • Check up to four (4) plans to compare

  • Side-by-side plan comparison allows you to compare plan benefits

Healthcare - Individual and Family Dental Plans

Individual, Spouse or Child Only.
Or full Family Health Plans by State:

Checkout available plans for your State of residence. 

  • Starts at affordable low $20/mo

  • For Individuals, Spouse and child (Full Family)

  • Or Child Only

Convenient filters:

  • narrow down or expand your selections such as:

  • $0 deductible

  • $100 - $200 monthly premium range

  • Types of coverage including specialty clinics or doctors

Compare Plans:

Compare On-Exchange (federal marketplace) or Off-Exchange (open market) plans

  • Check up to four (4) plans to compare

  • Side-by-side plan comparison allows you to compare plan benefits

Healthcare -  Individual and Family (Short Term 3mos)

Short Term health insurance 

  • plans are limited duration, typically under 3-months. 

  • for people who need temporary medical insurance to bridge the gap between longer term plans; e.g., people who are switching employers, starting graduate school, or young adults who have become ineligible

  • do not cover preexisting health conditions

  • expires at end of term

  • low cost premiums

Short-term health insurance plans are typically less expensive than traditional plans, but do not cover pre-existing conditions. This can cause problems for people who acquire a longer term illness, since the short-term plan is completely terminated at the end of the coverage period. 

Short-term plans are also not considered "adequate coverage" under the Affordable Care Act so customers would also be subject to the tax penalties of being uninsured.

Healthcare - Employer/Employee Group Plans

Competitive quotes from multiple carriers in your State.

  • Compare plans side-by-side reading thru riders of each plan

  • Compare deductibles, co-pay amount, and coverage

  • Employer:employee contributions monthly

  • Change terms, number of employees, covereage -- and see changes in monthly premiums

  • Compare On-Exchange (federal marketplace) or Off-Exchange (open market) plans

Group insurance covers a defined group of people; e.g., a society or professional association, or the employees of a particular business. Group coverage premiums are typically split between employer:employee insured.  And costs can actually be lower by grouping individuals together which allows insurance companies to give lower rates to companies: "Providing large volume of business to insurance companies gives us greater bargaining power resulting to cheaper group rates."

Healthcare - Employer and Group Plans - Supplemental 

(coming soon!)

Business Protection (coming soon!)

Things happen.
Are you adequately covered?

Preserved your gains and not start from scratch again when things happen.
Our Business Protection insurance covers your business against losses due to:

  • Act-of-God calamities, eg. earth quake, hurricane/typhoon, flooding, etc.

  • Cyber security -- losses due to cyber hacking, personal information exposure, cyber sabotage, etc.

  • Theft, qualified theft

  • Market turmoil

Locate a Doctor / Clinic / Hospitals Near You

Find a Doctor near you!

  • Enter your zip code

  • Search doctors by name, specialty

  • Or Search Place by Name eg., The Barnes Jewish General Hospital

  • Search by Doctor specialty e.g., Chiropractor, Pediatrician, etc.

See list of doctors in your area complete with phone number, address, directions.

Claims Assistance

For assistance with claims, please call:

1-888-845-RISE (7473)

1-888-845-RISE (7473)

 

Please have your Policy# and Carrier information ready.

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