Serving GA, FL, and SC
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LIFE INSURANCE
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
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Guarantee Issue Insurance is ideal for those who have found it hard to get coverage and those who have preexisting conditions.
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HEALTH INSURANCE
Health insurance helps you pay, but you'll still have costs. Insurance does not pay for all of your medical expense. You'll help pay the cost of your care through different types of payments.
Co-insurance
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The costs that you and the health insurance plan pay are split on a percentage basis.
Co-pay
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The fixed amount you pay at the time you receive a covered service.
Deductible
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A set amount you pay out of pocket for covered services each year before your plan begins to pay.
Out-of-Pocket Maximum
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The maximum amount you pay during a policy period (usually a year). This amount does not include your premium or the cost of any services that are not covered by your plan.
Premium
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The fixed amount you pay your health insurance or plan for Medicare coverage. You may pay your premium to Medicare, a private insurance company, or both, depending on your coverage. Most premiums are charged monthly.
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HOME INSURANCE
Homeowner’s coverage doesn’t have to be difficult to understand. A basic
Homeowner's Insurance Policy will cover the following:
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The structure of your home
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Replacement costs
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Personal possessions (up to a set limit)
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Living expenses in case of a disaster
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Liability
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You can also add supplemental policies such as:
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Valuable Articles/Floater policies
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(i.e. Jewelry Insurance)
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Flood policies
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Umbrella policies (additional liability)
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AUTO INSURANCE
The insurance protection you need when you’re on the move:
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Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles.
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Motorcycle Insurance – Ride safe and insure your motorcycle.
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ATV and Motorsport Insurance – Insurance policies that cover all your toys.
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Classic Car Insurance – Your classic car is an icon. Insure it well.
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RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
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Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
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ANNUITIES
Annuities provide guarantee returns with no market risk.
Annuities provide Cash now or Cash later.
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Tax-Deferred Growth
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No Contribution Limits
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Fund Your Retirement
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Provide for your family
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TRAVEL INSURANCE
More information below:
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SURETY BONDS
A surety bond is a contract between three parties—the principal (you), the surety (us) and the obligee (the entity requiring the bond)—in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond.
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License Bonds: (Contractors, Dealers, ICC/Freight Brokers)
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Utility Bond
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Sales Tax Bond
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Personal Bonds
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SUPPLEMENTAL INSURANCE
Vision, Accident, Short-Term, Etc.