Life & Health Insurance

Individual and Family Health Insurance

Between doctor’s visits, ambulance rides and medication prices, health care can be one of the most costly but necessary services. However, finding the health insurance policy that is right for you and your family can be tricky. Some plans come with low monthly premiums but high deductibles. Other plans may host a large network of providers, but not the specific doctor you are looking for. How do you decide what plan to choose?

At King Forman Insurance Agency, we understand that there are many variables involved in choosing the right health insurance. Affordability, deductibles, premiums and networks all factor into this important decision. Our agency guides our valued clients through this otherwise difficult decision-making process.

Vision and Dental Insurance

Dental and vision care are important aspects of your overall health and well-being. Dental insurance helps offset costly dental visits by covering procedures like fillings, root canals and crowns. Likewise, vision coverage minimizes the out-of-pocket costs associated with glasses, contact lenses and visits to specialists.

Life Insurance

Your passing can have a tremendous financial impact on your family. Funeral costs add up, and the average funeral in the United States now costs over $7,000. Easing that financial burden is reason enough to have life insurance, but what about the additional expenses your family will face as they adjust to life without you? Death is never easy for those you leave behind; why not do everything you can now to make the transition easier for them when the time comes?

Our agency offers various forms of life insurance and can help you determine what’s best for you and your family.

  • Return of premium (ROP): If you survive your policy term, this type of life insurance policy returns to you your paid premiums.
  • Second-to-die: Also known as survivorship insurance, second-to-die coverage provides benefit to heirs only after both spouses on the policy pass away.
  • Buy-sell agreements: Business co-owners can purchase life insurance policies on one another that can be used to pay families for each co-owners interest in the business upon his or her passing.

Disability Insurance

In addition to life insurance, disability insurance helps protect you and your family in the event that an accident or illness leaves you unable to work. This type of coverage is separate from workers’ compensation insurance, which protects you only if you are injured on the job. Either long-term or short-term disability insurance may be right for you depending on your circumstances.

Protect the well-being of you and your family. Consider the importance of health, vision and dental insurance for the immediate future and the value of life and disability insurance for the years to come. Contact King Forman Insurance Agency at 847-298-0100 for more information on the insurance protection you need.