ABC offers annuities, life, health, and accident insurance. We can help in building and conserving retirements and estates.

Life Insurance

• Basic Life Insurance Protection with Term, Whole Life, and Universal Life policies.
• Family Life Protection designed to give protection within the family on the arrival of a new baby, on the loss of a spouse, on the loss of any wage/income earner.
• Burial Funds to cover the extended costs of a funeral service.

Special Uses for Life Insurance

• Heritage Funds to provide a legacy for family or loved ones.
• Charitable Giving to benefit another individual or institution.
• Mortgage Protection to preserve your home from loss when there is a loss of income due to death or disability.
• Estate Planning or Probate Protection to protect what you have secured during your lifetime from loss to taxation.
• Retirement Funding beyond Social Security's limited benefits or a retirement fund for lifetime guaranteed income.
• Hospitalization major medical or hospital surgical coverage for individuals or company employees.
• Pension maximization to allow you to receive your full pension and still provide for your spouse.
• Educational Funding and Protection to be sure post high school education can be provided or college loans can be repaid.

Hospitalization

• Hospitalization, major medical surgical coverage for individuals or company employees.
• Medical Saving Accounts (MSA), Health Saving Accounts (HSA), & Health Reimbursement Accounts (HRA) to all for high deductible, lower premium or tax advantaged health care.
• Hospital and Medical indemnity programs to cover various expenses not covered by high deductible or hospital-surgical plans.
• Foreign Visitor Health Program for individuals visiting in the U.S. or here on an extended stay.
  
• Travel Health Insurance to provide for your medical coverage when you are away from the U.S.
• Short Term Medical for individuals between employments, on lay off, or for coverage during a qualifying period.
• Student Medical coverage for students needing coverage one semester at a time.
• Assistance in paying prescription, dental care or diabetes supply.
• Medicare Supplement programs including Prescription and Vision Care.

Disability Insurance

• Income Protection allowing the family lifestyle to continue after losing needed income from a breadwinner.
• Disability from sickness or accident which causes a short or long term loss of income.
• Funding to provide for rehabilitation from a long term disability.
• Funds to assist the family when an income earner survives a critical illness (heart attack, stroke, cancer, etc.) but has limits on lifestyle and activities.

Long Term Care

• Comprehensive Long Term Care that includes Home Care Programs, Alternative Living Programs or Nursing Home Care Programs for senior disability.
• LTC for care in a Home setting either to assist or train family members in giving proper care.
• LTC for Alzheimer Units in nursing facilities.
• LTC for employees to care for parents while they are at work -including adult day care.
• Asset Protection for individuals already receiving LTC

Business Insurance

• Business Insurance to cover loans, partners, loss of services from people with specialized skills.
• Business Overhead to keep the business going when you cannot be there running it.
• Business Benefits for employees as a Group Benefits Program or payroll deduction of voluntary benefits.
• Business Pension and Retirements Plans for employers or employees.

Trip Insurance

• Trip Cancellation Insurance for help when you cannot take your trip or complete your trip/cruise.