Health Life Annuities & Disability Insurance

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Life, Health and Annuities FAQs

1.Can I have multiple life insurance policies?

Yes, you can have multiple policies from the same and different life insurance companies. It’s legal and common. Life insurance is flexible and many people invest in policies with term lengths and coverage amounts as their needs change. Our trusted advisors can help you determine how many policies you need and can shop multiple companies to help you find the right coverage at the best price.

2.When it comes to health insurance, should I get a HMO or a PPO?

The biggest difference between HMOs and PPOs is flexibility and price. HMO stands for health maintenance organization and PPOs stand for preferred provider organization. With an HMO, you must select a primary care provider from a network of doctors pre-approved by your primary provider. HMOs have lower out-of-pocket costs. With PPOs you don’t need a primary care doctor; however, you will pay less for services from providers who are in network. PPOs usually have overall out-of-pocket costs.

3.What happens to my annuity when I die?

Should you die before your annuity disburses all payments, the remaining assets can transfer to a spouse or surviving beneficiary. If you do not designate a beneficiary, all remaining annuity assets will be surrendered to the issuing insurance company.

4.What is disability insurance?

Individual disability insurance protects you and your source of personal income from injury and illness. You can have a long term and short-term disability insurance policy.

5.Is Medicare free?

Some Medicare Advantage plans are premium-free; however, you may still have to pay certain out-of-pocket costs. Our trusted advisors can help explain all Medicare fees and which plan is right for you. View our Medicare page for more information.

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