 Conover
Insurance, Inc. offers dependable, affordable health insurance
products to individual clients.
Business
owners & administrators, please go to our group
benefits section.
Individual
Medical – If you think you can’t afford medical
insurance…think again. We offer a wide range of medical
polices – from basic to comprehenisive – and with
access to local doctors. We’ll find the plan that’s
right for you. For a free quote,
contact us at info@conoverbenefits.com
Dental – Unlike medical disease, which can be both unpredictable
and catastrophic, most dental ailments are preventable. Preventive
care, including regular checkups and cleanings, is the key
to maintaining your oral health. With regular visits to the
dentist, problems can be diagnosed and treated early. That
keeps the costs of dental care much lower than those of medical
care. In fact, total spending for dental care is decreasing.
In 1970, it made up 6.3 percent of total health care expenditures.
But in 1991, dental care's share of health care spending was
only 4.9 percent. As an independent agent, we can help you
find reliable, affordable dental coverage from a reputable
company. For a free quote, contact us at info@conoverbenefits.com.
Short
Term Medical Insurance is inexpensive, temporary health
insurance that can be obtained for 30-185 days (varies by
state). Short Term Medical is ideal for people who are between
jobs, waiting for employer group coverage, experiencing an
underwriting period for individual coverage, recent college
graduates, or anyone else who is experiencing a gap in coverage.
For a free quote, please contact us at info@conoverbenefits.com.
Vision
Insurance* – Thorough eye exams are essential not
only for detecting vision problems, but also as an important
preventative measure for maintaining your overall health and
wellness. The companies that we represent provide low-priced,
high-quality eyecare coverage that puts people first, supports
visual wellness and improves your quality of life. For a free
quote, contact us at info@conoverbenefits.com.
* Vision coverage available for self-employed
or group benefit participants only.
Long-term
Care Insurance
The average cost for one year in a nursing home is $40,000,
but can be close to $100,000 in some big cities. Round-the-clock
care at home can be just as expensive. Medicare does not pay
these bills beyond a short period of time after a hospital
stay. Health insurance rarely pays any of the cost. Unless
you have so little money that you will qualify for Medicaid,
or so much money that you can pay the bills out of your own
pocket, you should consider long-term care insurance. For
a free quote, contact us at info@conoverbenefits.com.
Life
Insurance -
•
Term Life Insurance is an insurance policy that is
in effect for a specific period of time. If the insured dies
within that timeframe, the beneficiary of the policy receives
the death payment. However, if the insured survives that period
of time, the beneficiary receives nothing and the policy is
closed. Term life also provides the ability to convert to
a permanent kind of coverage at a later time.
•
Universal Life Insurance
The premiums of a universal life insurance policy are split
in two ways. The premium you pay goes toward covering the
cost of the insurance policy and the remaining balance is
invested and earns interest on a tax deferred basis. With
this type of life insurance you also receive a guaranteed
minimum interest rate on the balance that is invested. For
a free life insurance quote, contact
us at info@conoverbenefits.com
Long
Term Disability Insurance - If you were disabled and unable
to work as a result of an accident or illness, how would you
support your family? Disability income insurance, which complements
health insurance, can replace lost income. At age 40, the
average worker faces only a 14 percent chance of dying before
age 65 but a 21 percent chance of being disabled for 90 days
or more. For an evaluation and quote, please contact us at
info@conoverbenefits.com
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