Life & Health

Individual Health & Financial Products

A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.

Financial products for individuals and families including life insurance, long term care fixed annuities, disability insurance, mutual funds and IRAs.

As health insurance specialists, we understand the ins and outs of health care coverage. And not just policy deductibles, out-of-pocket maximums, coinsurance, donut holes, in-network, out-of-network and other sometimes confusing health policy options.

There are specialty health policies like short term insurance, international travel health plans and coverage for prescription drugs. Going it alone to find the right options at the right cost can be daunting, that’s why we’re here. Let us help you navigate the healthcare labyrinth…it won’t cost you a penny more and your budget will thank you.

Contact us to schedule an appointment today.

HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won’t cover.

There are four primary types of life insurance, and each has a place in any sound financial plan. The four variations of life insurance are:

  • Term Life Insurance – fixed premiums for a fixed period of time, like 10 or 20 years
  • Whole Life Insurance – permanent insurance, as long as premiums are paid, with fixed premiums and cash value benefits
  • Universal Life Insurance – permanent insurance with options to change premiums and death benefits
  • Variable Life Insurance – similar to Universal Life but with the flexibility to choose investment risks to maximize cash value benefit

Life insurance can be used for a variety of financial planning purposes, including:

  • Paying for the education of children
  • Helping your spouse and surviving children maintain their lifestyles
  • To ensure the continuation of a business after the death of a key owner or employee

Contact BWO Insurance today to review your needs and options and get you competitive quotes for the right life insurance for you.

Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.

BWO will be closed Thanksgiving Day and the Friday following Thanksgiving

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