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Products & Services
Basic information about our products is provided below. For more detailed information as well as a review of your personal insurance needs, please call our office. We will be happy to meet with you in person or talk with you over the phone.

Life Insurance
Whether you need term, whole life or universal life insurance, insurance for buy/sell agreements or key man policies we can help. We offer a variety of insurance products and will work to match your insurance needs to the appropriate policy.
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Health Insurance
Nothing is more important than protecting your health - and our insurance products help you do the job at a reasonable expense. Our primary forms of health insurance are indemnity, P.P.O (preferred provider organization) and M.S.A. (medical savings account).

• With an indemnity plan, enrollees can go to any physician or medical facility they select. While there are no limitations regarding choice, premiums for this type of insurance are generally higher than other forms of health coverage.

P.P.O. plans offer enrollees a solid selection of physicians and medical facilities in the network located within their geographic region. Individuals select deductible amounts as well as "add on" benefits such as dental or vision, which affect monthly premiums.

An M.S.A. plan offers the lowest monthly premiums with higher overall deductible amounts. Individuals select their physicians and medical facilities from within the network.
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Medicare Supplements
Our Blue Cross Blue Shield supplemental insurance helps senior adults with medical expenses outside of what Medicare will cover. For a listing of basic coverage with this policy, go to: http://bcbsga.com/medicare (need correct link extension)
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Long Term Care
Long-term care policies assist individuals with expenses associated with care/living at a variety of assisted living and nursing home facilities.
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Disability
Coverage to assist with expenses when a person becomes unable to work. We offer short-term disability (STD) and long-term (LTD) policies. Generally, short term insurance will begin to cover after either seven or 14 days; long term begins coverage after 90 days. Payments to the enrollee are typically 60% of an individual’s salary.
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Cancer Insurance
Insurance designed to help with expenses associated with cancer prevention and treatment. We offer several plans with different benefit structures; call our office for the details regarding this specific policy.
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