Individual & Family Insurance
Individual and Family Health & Life Insurance
Insurance is all about protecting yourself and your family from the risks you face every day. At Stone Insurance or Suffield, LLC., we take your health, safety and well-being as seriously as you do. That is why we encourage you to look to our trusted, experienced, independent agents for plans that meet your individual and family needs. We can help you choose from the following plan options:
Life Insurance
Guarantees a specific sum of money to a designated beneficiary upon the death of the insured. It can be used in family, business, and legacy situations. For instance, it is common for the wage earners of a family to be covered with Life insurance for the loss of income to the family if they were to die. In business, it can be used in succession planning such as a buy-sell agreement that would pay a deceased partner’s family for their share of the business or to help the business survive the loss of a key employee. It is also often used to cover loans to the business for creditors. Many people want to leave a legacy of money to a charity or grown children and grandchildren. Life insurance is an excellent vehicle to accomplish this task.
Disability Income Replacement Insurance
As it sounds, this type of insurance provides income to the insured and family if they are disabled due to accident or illness and unable to work. It can be used in family and business circumstances. One in seven adults faces the possibility of a serious disability prior to age 65.
Long Term Care Insurance
Provides coverage for circumstances in which you can’t take care of yourself. This typically occurs with older people who need some form of custodial care but can also be used in situations where, because of illness or accident, a younger person can’t take care of themselves. Long Term Care policies today provide coverage in the home as well in a professional care facility.
Individual Medical Insurance
Individual medical insurance is available for people who don’t have access to group plans where they work or are sole proprietors with no other employees. There are options on the market for this but medical plan alternatives generally fall into two basic categories; traditional, provider network based plans or high deductible health savings account compatible plans. Generally, such individual/family plans are available only during an annual open enrollment for January 1 effective date; unless there is an allowable “life” event such as the loss of an employer sponsored plan, marriage, or birth of a child.
Insurance is all about protecting yourself and your family from the risks you face every day. At Stone Insurance or Suffield, LLC., we take your health, safety and well-being as seriously as you do. That is why we encourage you to look to our trusted, experienced, independent agents for plans that meet your individual and family needs. We can help you choose from the following plan options:
Life Insurance
Guarantees a specific sum of money to a designated beneficiary upon the death of the insured. It can be used in family, business, and legacy situations. For instance, it is common for the wage earners of a family to be covered with Life insurance for the loss of income to the family if they were to die. In business, it can be used in succession planning such as a buy-sell agreement that would pay a deceased partner’s family for their share of the business or to help the business survive the loss of a key employee. It is also often used to cover loans to the business for creditors. Many people want to leave a legacy of money to a charity or grown children and grandchildren. Life insurance is an excellent vehicle to accomplish this task.
Disability Income Replacement Insurance
As it sounds, this type of insurance provides income to the insured and family if they are disabled due to accident or illness and unable to work. It can be used in family and business circumstances. One in seven adults faces the possibility of a serious disability prior to age 65.
Long Term Care Insurance
Provides coverage for circumstances in which you can’t take care of yourself. This typically occurs with older people who need some form of custodial care but can also be used in situations where, because of illness or accident, a younger person can’t take care of themselves. Long Term Care policies today provide coverage in the home as well in a professional care facility.
Individual Medical Insurance
Individual medical insurance is available for people who don’t have access to group plans where they work or are sole proprietors with no other employees. There are options on the market for this but medical plan alternatives generally fall into two basic categories; traditional, provider network based plans or high deductible health savings account compatible plans. Generally, such individual/family plans are available only during an annual open enrollment for January 1 effective date; unless there is an allowable “life” event such as the loss of an employer sponsored plan, marriage, or birth of a child.
Life Insurance
No matter how old you are, it's never too soon to start thinking about personal life insurance. It's something that can help you live with peace of mind, but also give your family members the peace of mind they deserve as well.
When you opt for the best personal life insurance, you can ensure that your family will always be in good hands, even when you're gone. Leaving the future up to chance can be scary, but with personal life insurance from Stone Insurance of Suffield, LLC, it doesn't have to be.
Every person and situation is different, which is why insurance agencies like Stone Insurance of Suffield, LLC offer tons of life insurance plans to help you plan for your future. There are a few things you should keep in mind when determining what kind of coverage you need.
Kinds of life insurance
There are a few different kinds of life insurance, and you should be well informed about each before making a decision.
One of the most popular options is term life insurance. This means that you're protected for a specific amount of time. When you're just starting out, and don't currently have life insurance, this is typically the best option since it is cheaper than other kinds of life insurance.
You can opt for an annual term or up to 30 years, depending on your situation.
Whole life insurance is another more permanent option, and it is in place for your entire life. Although it's an investment, you can see returns since there are also cash value increases as time moves on.
Universal life insurance is another option, which is also permanent. It does have flexible premiums, which makes it easy for you to change coverage options. It also earns interest, which can be beneficial for the future.
With so many kinds of life insurance out there, it can be difficult to find the perfect coverage for you. If you'd like some help determining what package is right for you, give the insurance agents at Stone Insurance of Suffield, LLC. a call.
When you opt for the best personal life insurance, you can ensure that your family will always be in good hands, even when you're gone. Leaving the future up to chance can be scary, but with personal life insurance from Stone Insurance of Suffield, LLC, it doesn't have to be.
Every person and situation is different, which is why insurance agencies like Stone Insurance of Suffield, LLC offer tons of life insurance plans to help you plan for your future. There are a few things you should keep in mind when determining what kind of coverage you need.
- Have you opened a business?
- Do you have an estate?
- Did you receive an inheritance from a family member who has passed away?
- Have you recently purchased a new home or property?
- Have you recently added a new member to your family?
- Has your health deteriorated?
Kinds of life insurance
There are a few different kinds of life insurance, and you should be well informed about each before making a decision.
One of the most popular options is term life insurance. This means that you're protected for a specific amount of time. When you're just starting out, and don't currently have life insurance, this is typically the best option since it is cheaper than other kinds of life insurance.
You can opt for an annual term or up to 30 years, depending on your situation.
Whole life insurance is another more permanent option, and it is in place for your entire life. Although it's an investment, you can see returns since there are also cash value increases as time moves on.
Universal life insurance is another option, which is also permanent. It does have flexible premiums, which makes it easy for you to change coverage options. It also earns interest, which can be beneficial for the future.
With so many kinds of life insurance out there, it can be difficult to find the perfect coverage for you. If you'd like some help determining what package is right for you, give the insurance agents at Stone Insurance of Suffield, LLC. a call.