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Home 2016 July
Low Cost Long Term Care Insurance

Low Cost Long Term Care Insurance

By Ed Crowe | Individual Health Insurance, Long Term Care | 0 comment | 12 July, 2016 | 0

Low Cost Long Term Care Insurance

National Guardian Life (NGL) is now offering low cost long term care insurance.  NGL is offering a new long term care product with premiums up to 50% lower than other LTC companies.

Who should buy long term care insurance?

Long term care insurance provides services and benefits not covered by Medicare.  Unlike traditional health insurance long term care plans are designed to cover long term services and supports.  These typically include personal and custodial care.  Care can be give at home, a community organization or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need, where you need them.

The NGL Essential plan offers a lifetime benefit.

This benefit provides you with the comfort of knowing you are covered for life with no max benefit period.  Joint pricing offers a lower rate for couples applying together.  Step rated cost of living adjustment means that you will start with the lowest offered rate.  The reverse combo feature combines return of premium with or without a claims offset.  An optional surrender rider protects the premium you’ve already paid in to the policy.  In addition, if you never use the policy, your beneficiary will receive up to 80% of the amount you paid  into the policy.  This mimics a life combo policy.

 

 

 

Click here for a full product guide.

Crowe and Associates is a full service insurance brokerage.  We are also Medicare specialists.  Click here for a free confidential Medicare quote.  If you have questions regarding either medical or long term care insurance, please contact us for an appointment.  There is no fee for our services.   You can  reach us either via phone at 203-796-5403 Or,  you can email us at admin@CroweAndAssociates.com.

 

travel insurance

Travel Insurance

By Ed Crowe | General Articles | 0 comment | 11 July, 2016 | 0

Travel Insurance

Crowe and Associates is now able to offer clients travel insurance.

Travel insurance offers peace of mind.  Insurance companies offer plans both for groups and individuals.  While traveling abroad, unexpected evens can happen.  Whether you are a student or on vacation, these plans can protect you from the unexpected.  Even if you have medical insurance here at home, benefits may not apply while abroad.  Both individual and group rates are affordable.  Group rates are as low as one dollar a day.

Medical care, including urgent and emergency care are provided.  In addition to medical coverage,  these plans include coverage for unplanned events.  Such events include lost checked luggage and political evacuation.  Not only do they offer trip delay and trip interruption coverage, but natural disaster benefits are included as well.   In fact, they even include personal liability coverage.

Plans are provided by HCC Atlas.  HCC Atlas is a subsidiary of Tokio Marine.  They are a premier global company with a market cap of approximately $30 billion. Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s.  They have a Fitch Ratings and A+ (Superior) by A.M. Best Company.

In the event that you need to file a claim,  you can do it easily online.  Or, you can call us and we will be happy to assist you.

Click here to access a complete list of individual plan benefits.

Click here for a complete list of group benefits.

Ready to enroll?

If you are planning to travel abroad for more than 5 days, these plans may be exactly what you need for peace of mind.  We are happy to discuss benefit coverage and provide you with a quote.  If interested, please call the office at 203-796-5403 or email us at admin@croweandassociates.com.

Crowe and Associates is a full service insurance brokerage.  We are able to offer our clients medical (and Medicare) as well as dental insurance.  We offer annuity and long term care advice.  Crowe and Associates is an appointed Access Health Care brokerage.  Our clients do not pay us fees of any kind.  If you need help in any of these areas, please call the office or email us for an appointment.  You can also visit our website at www.CroweAndAssociates.com for a complete list of services.

 

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Online Enrollment- Enroll prospects online without the need for a face to face appointment. Access to all major carriers with the ability to compare plan benefits and prescription drug costs. Link to recorded webinar https://attendee.gotowebinar.com/recording/2899290519088332033

All agents receive a personalized enrollment website. Prospects can use the site to compare plans, check doctors, run drug comparisons and enroll in plans. Agents are credited for all enrollments. Click Here

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