My policies cover you 24-hours a day whether you are at work or at the beach. Policies that pay money directly to you in the event you are sick or injured and can't go to work. I can also insure your entire business and some policies that have group rates and group policies with guaranteed issue regardless of your past health in most cases. I also specialize in life insurance to include the return of premium policies that will pay you a lump sum if you choose to surrender the policy in 10-20 years. This is an excellent way to cover a child with life insurance as well as save for their college, first home purchase, or seed money for a business venture for them. The return of premium policies tells you upfront exactly how much you can get in return at specific dates during the policy life. I offer very affordable term policies that are perfect to cover the cost of your property such as a house in the event you should pass. Our "Out of pocket minimizer" provides an excellent supplement to the deductibles and copayments of your health insurance. You can save money by getting a very affordable health insurance policy with high deductibles and copays. Then at this policy to cover all of those costs. Again, even this policy pays cash directly to you. So it is for you to pay the providers. I have very affordable accident policies that cover you in the event you have an accident 24 hours a day, but also include a payout if you were to pass from that accident. Policies start as low as $17.33 a month. We also have policies that cover strokes, heart attacks, third-degree burns, end-stage renal failure, dismemberment, organ transplants, paralysis, hospital confinement, Type-1 diabetes, traumatic brain injuries, advanced Alzheimers, advance Parkinsons, ALS-Lou Gehrigs, loss of independence, sustained Mulitple Sclerosis, permanent loss of sight, permanent loss of hearing, permanent loss of speech, encephalitis, bacterial meningitis, Lyme disease, sickle cell anemia, cerebral palsy, necrotizing fasciitis, osteomyelitis, systemic lupus, cystic fibrosis,
