Life & Health
An alternative to traditional Certificates of Deposit, annuities are a long-term retirement investment.
They can include benefits that are tax-deferred, which may be distributed as a lump sum or over a period of dates, as a steady stream of income.
To find out if an annuity fits your retirement plans, contact us today.
Oral health can be a telling indicator of a person’s overall well being. A patient suffering from periodontal disease is twice as likely to have heart disease or a stroke. Research also links poor oral health to diabetes, lung disease and premature births. While necessary, regular dental exams can be costly. Dental insurance helps lighten lighten the financial burden of regular check-ups, and often pays for itself. Dental insurance is a necessary part of insuring your family’s health. Proper dental care is the start of a healthy lifestyle. Contact us for more information about a dental insurance plan that is right for you.
Disability Income Insurance
Have you ever thought what might happen if an accident or illness left you too sick or injured to work? Kiely, Hines & Associates Insurance Agency 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.
Group Health Insurance
A group health insurance policy saves money for both the employer and employee. Group health insurance provides coverage to employees at a reduced rate, while employers receive a tax deduction for offering the coverage. Group health insurance a win-win for either side. Contact us for more information.
Individual Health Insurance
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 Insurance can make individual health insurance plans seem surprisingly 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 health insurance choice.
Individual Life Insurance
Life insurance is one of the most important decisions you can make in planning 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 individual life insurance policies include:
- Death benefits
- Funeral expenses
- Debt repayment
- Education funds
Protecting those who survive you is a crucial element in your long-term financial planning. The skilled life insurance professionals at Kiely, Hines & Associates Insurance Agency can help you make the right decision for your loved ones.
Limited Medical Coverage
Limited medical coverage operates as an alternative to comprehensive health insurance. The policy offers feasible low rate options compared to costly major medical insurance. Limited medical insurance supplies coverage for gaps in primary medical coverage. This mini-medical plan provides benefits at a lower, more affordable price.
Long Term Care Insurance
Is Long-Term Care Insurance For You?
Facts about Long-Term Care Insurance
- 43% of all Long-Term Care claims are for people under age 65.
- More than 50% of the U.S. population will need some form of Long-Term Health Care during their lifetime.
If you answer “yes” to the following questions, you should consider Long-Term Care Insurance.
- Would you prefer to keep from being a burden to your family if you happen to become injured or sick?
- Do you want to protect your assets as well as your family’s?
- Do you want to avoid going on Medicaid?
- Do you seek peace of mind?
- Do you wish to have control of your care?
- Do you want to maintain your independence?
If you answered “yes” call Kiely, Hines & Associates Insurance Agency today for a free quote.
Pensions & Retirement Planning
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 retirement planning. At Kiely, Hines & Associates Insurance Agency, we work with you to analyze your individual situation. We can provide you with a plan to structure your long-term investments so you can maximize the enjoyment of your retirementyears. By asking the right questions and making some informed assumptions, the future doesn’t have to be unknown.
The benefits of healthy vision stretch far beyond seeing clearly. Vision insurance can help reduce the cost associated with visits to your ophthalmologist. Regular eye exams help early detection of major health conditions such as diabetes and cardiovascular disease. Other vision issues such as simple nearsightedness or farsightedness can reduce workplace productivity by 10%, and overall work accuracy by 40%. Vision insurance can help you keep your efficiency and overall health in working order with regular eye exams. Contact us for more information.