Individual Health Insurance
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

Buying insurance in today’s market is a full time job. If you look at only the top four companies that sell Individual Policies, there are almost 1,000 different plans that you can set up. If you are looking for a Group Insurance Policy just one carrier can have more than 50,000 different plans.

Life Insurance
Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.
There are several types of Life Policies to choose from.

• Term Insurance is purchased on a temporary basis, usually between 5 and 30 years. It can be purchased with different types of riders such as guaranteed insurability, return of premium, or sometimes a conversion to permanent insurance.
• Whole Life is a policy that you own. They can increase in value over time. They endow at age 100 (they pay their value).
• Universal Life Insurance is a flexible premium policy. These policies continue as long as you live. Universal Life Insurance can provide additional benefits such as Long Term Care, Accelerated Benefits for certain medical conditions, and Tax Exempt Retirement Income.

Property Insurance
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage causing events as fire, lightning, explosion and theft.

Casualty Insurance
Casualty insurance policies are written to cover losses that are the direct result of an unforeseen accident(s). It may include Auto liability insurance for car accidents, Marine insurance for shipwrecks or losses at sea, and etc. Life, health and property insurance are typically excluded from the definition. Loosely used to describe an area of insurance not particularly or directly concerned with life insurance, fire insurance or automobile insurance. Most frequently it refers to liability, crime and plate glass insurance but may include surety as well.

Long Term Care
There's a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.

If you're concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security, the cost of long-term care.

Group Health Insurance
Are you thinking about offering benefits to your employees? Just one of the companies I represents has over 50,000 variations of group plans. Has your current benefits package become too expensive?

Many companies release new plans every year with lower premiums to attract new business.

Relax. IPD help you. All we need to get started is your current employee census*, and a short conversation with you. Together, we can design a benefit package that is both affordable and well received by your employees. It is never too late to acquire a PROfessional agent that really cares.

*An employee census will list your employees by name, show their date of birth, and their home zip code. You should also give the name of the business, its function (this accesses risk), and a contact name and number. If you currently have a policy, please describe it, or send the deck page along with the above information. Group policies can be issued in as little as 15 days, but can take longer depending on the size of your group and the accumulation of the documents that will be required for a new group.

Medicare Supplements
Medicare is a federal health insurance program for people 65 years of age or older. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, coinsurance.

Medicare Supplements are a health insurance policy sold by private heath insurance companies to fill the "gaps" in Medicare coverage.

Short Term Major Medical
Are you between jobs? Is your COBRA plan too expensive?

The answer might be a simple Short Term Major Medical. These plans are paid on a monthly basis with maximum policy lengths of one year. These plans focus on hospitalization and are typically much less expensive than traditional insurance policies. Applications are also simplified, usually asking between 5 and 10 questions.

If you expect to have a company plan soon and just want some protection against the unknown, a Short Term Major Medical might be the answer for you.

Asset Protection Plans
This is an effective way to use LIFE INSURANCE to protect your ASSETS and LIFESTYLE that you have worked very hard to accomplish. An asset protection plan, or ESTATE PLAN is best accomplished by a LAWYER that specializes in that field. Insurance PROS Direct, LLC. is always searching for great lawyers to fill this need. If you know of any please tell them about us, we want to help more people everyday.

Annuities
An annuity is an interest-bearing contract between an individual and a life insurance company that guarantees periodic payments to the individual during a specific time period. On expiry the balance is exhausted. Capital withdrawals are generally not allowed. Concessional treatment in relation to taxation and Centrelink benefits may apply if the annuity is complying.

Mortgage Protection
Taking out a mortgage can be a scary proposition. You owe tens or even hundreds of thousands of dollars to the mortgage holder. What happens if a family breadwinner suddenly passes away and a substantial portion of the mortgage remains unpaid?

Mortgage protection insurance covers this potential financial disaster. You can purchase a policy when you first buy your home, or later if you think your situation warrants it.

The idea behind mortgage protection insurance is straightforward: You pay a premium, which remains the same for the duration of the policy, and if you should die during that time, the insurance pays off the rest of your mortgage.

Mortgage protection can be a very simple Term Life policy. It is typically very inexpensive, and has a simplified underwriting process. Also included here are Life Events, which are significant times when added protection is desired. These events can be marriage, child birth, death and divorce.

Temporary Insurance
Temporary Insurance can include many types of insurance. It simply is insurance that can be bought for a limited time, or need. The insurance is normally for things short as short term medical procudures, or during the course of a lapse in disability insurance. Most types of insurance have an option to purchase temporary forms of it.

Automotive Insurance
Auto insurance, (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of car accidents.

Disability Insurance
Becoming disabled through an injury or sickness can mean a significant loss of income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

Specialty Coverage
There are several forms of Specialty Coverage.

• Accident (with a small deductible, these plans pay a face amount for each accident or injury one may encounter. When used effectively, they can eliminate most financial exposure on today’s health plans).
• Critical Illness (these are usually disease specific, but can encompass any serious condition. Like an accident plan, they pay a single specified sum upon diagnosis of a qualifying illness).
• Travel Medical (when traveling outside your policy’s coverage area these plans can cover the much larger "Out Of Network” costs of your current health plan. They can be purchased for trips as little as 5 days and as long as 3 years).
• Travel Protection (these are plans designed to include some medical coverage for you and anyone you are traveling with as well as the actual trip costs, delays, missed flights, baggage, and even terrorism).

Dental Coverage
Most dental care coverage places an emphasis on regular preventive care by covering small routine costs. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.

By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, Americans saved nearly $100 billion in dental care costs during the 1980s.

There are two types of dental plans available. A discounted plan, and an insured plan. A DISCOUNT plan usually gives free check-ups and cleanings with all other services being discounted. There is rarely a yearly maximum. An INSURED plan usually has a small deductible to meet, includes preventative care, but also has a annual maximum and rarely covers orthodontia.

Make sure your dental costs are covered.

Guaranteed Coverage
Have you had a Heart Attack?, a Stroke?, fighting Cancer?, dealing with Diabetes?, or some other Pre-existing condition? I can help you!

You may have some reservations, thinking that you can only get a Discount Only plan, or some Limited Benefit policy that could leave you in financial ruin. We work with two organizations that you might fit into. The end result: YOU ARE COVERED!