Health insurance is one of the most difficult types of coverage to buy. Rates are constantly on the rise, and the complexity of most plans can be daunting. Kiely Hines & Associates can make health insurance plans seem suprisingly simple by providing one-on-one guidance so that you fully understand the different types of plans available to you. We can see to it that you have the knowledge you need to make a cost-effective choice.

Health insurance plans may include coverage for:

• Hospital stays
• Hospital expenses
• Surgical care
• Major medical expenses
• Loss of income through disability
• Dental care
• Prescription drugs
• Vision care

Whether you are purchasing health insurance for your business or yourself, we can help you find the plan that's right for you. 

Life insurance is one of the most important decisions you can make in planning your—and your family’s—future. And by insuring that your family will be taken care of, you’ll gain the peace of mind you need to enjoy life today. Types of expenses that can be covered under life insurance policies include:

• Death benefits
• Funeral expenses
• Debt repayment
• Education funds
• And more

Protecting those who survive you is a crucial element in your long-term financial planning. The skilled insurance professionals at Kiely Hines & Associates can help you make the right decision for your loved ones.

How much do you need to save for your retirement?

That’s a question every individual should be able to answer–but it’s surprising how reluctant people can be to address it. At Kiely Hines & Associates, we work with you to analyze your individual situation. We can provide you with a plan to structure your finances so you can maximize the enjoyment of your retirement years. By asking the right questions and making some informed assumptions, the future doesn’t have to be unknown.

When you need costly, extended care, you and your family should not have to go it alone. Long-term care insurance provides benefits that can help you and your family manage the cost of long-term care services when you are no longer able to perform certain normal activities of daily living on your own. You may need this type of assistance as the result of an accident or lengthy illness, chronic health conditions, and/or physical disabilities, such as a stroke, Alzheimer’s disease, multiple sclerosis, or Parkinson’s disease.

Many people are under the mistaken belief that long-term care is received only in a nursing home facility. In fact, a long-term care insurance policy covers you for many levels of care—including skilled, custodial, or personal care—in your own home or other settings. Kiely Hines & Associates can help you plan for the future with a long-term care policy that goes beyond financial assistance to provide you and your family with the confidence that you’ll be able to meet your needs at a critical time of your life.

Have you ever thought what might happen if an accident or illness left you too sick or injured to work? Kiely Hines & Associates can help you plan ahead with a disability income insurance policy that can keep you financially stable and ensure that you’ll be able to pay your bills and make your payments—including tuition and retirement funding—over the course of a long-term disability.

We offer a range of disability income plans that:

• Pay a monthly income directly to you when you are sick or hurt and unable to work.
• Help you maintain your independence without burdening others.
• Enable you to meet your financial goals for the future.