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Individual Health Insurance

 

In the ever-changing environment of health insurance, we at Martin & Zerfoss are committed to helping you navigate it successfully and obtain the best health insurance plan for you and your family.  After talking to you, we will go to market to find the best health plan for you and your family’s needs. We work directly with all carriers to get the most competitive rate quotes and plan designs and will be your support system should you have any questions on rates, coverage or claims.


Short Term Health Insurance & Travel Insurance

 

There are some instances when individuals need short-term policies, for example,  to cover the insurance gap between COBRA and employer-offered coverage. We work with several providers to find short-term affordable plans that can give you the peace of mind knowing should something happen, your health care would be covered.

 

Additionally, if you have a vacation or time scheduled overseas, we can work with you to find a comprehensive healthcare plan that will make sure you are insured while away. You can begin the process of quoting travel insurance via the link below. Once you see a quote you like, give us a call and we will be happy to walk you through the plan details.

 

GeoBlue Travel Insurance

Individual Life Insurance

 

Life insurance from Martin & Zerfoss can help you secure your family's financial future by providing the funds they need to cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts and maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs. 

These products are continually changing, so please contact Martin & Zerfoss to receive an individual quote for your needs. 

Term Life 
Term life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 10 to 30 years. Other policy life periods are available, including 1 year annual renewable term. Term insurance premiums will not increase during the guaranteed policy time period (term) you select, and pays a death benefit only if you die during that term. This type of insurance generally provides the largest insurance protection for your premium dollar. The insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The coverage terminates if you discontinue your premium payments. 

Universal Life 
Universal life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments, so the more you pay, the less time you will need to pay. Your premiums cover insurance death benefit, interest, or additional premium, but have a minimum amount each month and lasts the life of the individual. The stated interest on the investment portion changes along with movement in interest rates; moves in 0.25 percent interest steps are typical as banks and other financial institutions make similar moves. 

Whole Life
Whole life insurance provides permanent protection for the whole life - from the date the policy is issued to the date of the insured's death, provided that premiums are paid. Premiums are set at the time the policy is issued and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value, which builds over time. Cash value build-up may provide a source for living benefits. For example, it can help pay off a mortgage, a child's education, or cash surrender value if the policy is ever canceled.

 
Long Term Care Insurance

 

By 2050, it is projected that 27 million individuals will be using paid long-term care services. Long term care encompasses a variety of medical, social, and specialized housing services needed by individual who have lost some capacity for self-care. If you are one of the 27 million individuals, how would you pay for the services – averaging over $25,000 a lifetime in fees. The last thing you would want to do is task your family with the cost of providing care to you. Long term care insurance can help pay for these daunting costs. 

 

We will work with you to determine the best type of long term care policy for you and your family so you will have designated funds set aside to assist your family with the financial burden of providing either at-home care, or nursing home care. Depending on the policy selected, long term care insurance can help pay for expenses related to adult day care, nursing homes, assisted living, care coordination and other services. We will work with you to find the best policy that fits your specific situation.

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