PERSONAL INSURANCE
There are many different types of Personal Insurance Products, each represented by hundreds of providers and each product varies considerably depending on the product line. We can assist you in simplifying the selection process. We conduct extensive product / provider research and analysis so you don’t have to. As an Independent Service Provider, we offer an unbiased, objective approach to finding the insurance product that is right for you without the burden of having to meet product “quotas”. Insurance and benefits are key components of your total Financial Plan. For this reason, we recommend any product introduction be preceded by the appropriate Financial Planning concept.
Our approach includes an analysis of your needs and a planning discussion to provide guidance to the right product on a priority basis. With a personal plan in place, we can also review existing products that you may own, provide insight to competitive alternatives and provide education on product differences by carrier.
We provide assistance for all stages of the process, from development of your financial goals to guidance on the application process, troubleshooting on claims issues and insuring that you remain in a competitive position with all insurance and benefit products in your portfolio over the course of your career and beyond.
Individual Health Insurance - The health insurance landscape has changed considerably over the past several years with the introduction of the Affordable Care Act also known as Obamacare. Health insurance is now federally mandated & requires individuals to pay a fine if they choose to go without health insurance. Unfortunately, most major insurance carriers have had to cut out the agent to save on costs associated with ACA compliance. For this reason, we no longer provide support for individual health insurance unless you are already an R. J. Welsch & Associate client with a previously purchased health insurance policy.
Short Term or Temporary Health Insurance - This type of insurance can be used to cover a gap between being uninsured and being insured under a traditional health plan. Typically these types of plans cover a period of time from one month to one year and cannot be renewed or extended.
Life Insurance - Term, Universal, Variable, Whole, Joint, Survivor, Mortgage - Life insurance is an important part of a well rounded financial portfolio that can provide your family with financial relief in the event of an untimely death. There are several different types of life insurance and depending on your unique situation, we can help you identify the product that best suits your needs.
Disability Insurance - Disability insurance provides you and or your family with full or partial income continuation in the event of an accident or event that disrupts your ability to work & earn a living.
Dental & Vision Insurance - Dental and/or vision insurance can be a valuable resource for individuals or families. This type of insurance is designed to pay a portion of your dental and or vision related expenses.
Long Term Care - This type of insurance typically helps provide for the cost of resources necessary to provide care for elderly, aging parents or for disabled individuals when needed. Long term care insurance can cover home care, assisted living, adult day care, nursing home, hospice care among others. Long term care insurance typically covers care that is generally not covered by health insurance, Medicare or Medicaid.
Senior Insurance Products - Insurance products for senior including Medicare, Medicare supplements and Prescription drug insurance.
Property & Casualty - Property and Casualty insurance protects against property losses to your business, home or car and protects against any legal liability that may result from damage or injury to the property of others. We are not a P&C agency, however, we do have several alliances for those types of products.
There are many different types of Personal Insurance Products, each represented by hundreds of providers and each product varies considerably depending on the product line. We can assist you in simplifying the selection process. We conduct extensive product / provider research and analysis so you don’t have to. As an Independent Service Provider, we offer an unbiased, objective approach to finding the insurance product that is right for you without the burden of having to meet product “quotas”. Insurance and benefits are key components of your total Financial Plan. For this reason, we recommend any product introduction be preceded by the appropriate Financial Planning concept.
Our approach includes an analysis of your needs and a planning discussion to provide guidance to the right product on a priority basis. With a personal plan in place, we can also review existing products that you may own, provide insight to competitive alternatives and provide education on product differences by carrier.
We provide assistance for all stages of the process, from development of your financial goals to guidance on the application process, troubleshooting on claims issues and insuring that you remain in a competitive position with all insurance and benefit products in your portfolio over the course of your career and beyond.
Individual Health Insurance - The health insurance landscape has changed considerably over the past several years with the introduction of the Affordable Care Act also known as Obamacare. Health insurance is now federally mandated & requires individuals to pay a fine if they choose to go without health insurance. Unfortunately, most major insurance carriers have had to cut out the agent to save on costs associated with ACA compliance. For this reason, we no longer provide support for individual health insurance unless you are already an R. J. Welsch & Associate client with a previously purchased health insurance policy.
Short Term or Temporary Health Insurance - This type of insurance can be used to cover a gap between being uninsured and being insured under a traditional health plan. Typically these types of plans cover a period of time from one month to one year and cannot be renewed or extended.
Life Insurance - Term, Universal, Variable, Whole, Joint, Survivor, Mortgage - Life insurance is an important part of a well rounded financial portfolio that can provide your family with financial relief in the event of an untimely death. There are several different types of life insurance and depending on your unique situation, we can help you identify the product that best suits your needs.
Disability Insurance - Disability insurance provides you and or your family with full or partial income continuation in the event of an accident or event that disrupts your ability to work & earn a living.
Dental & Vision Insurance - Dental and/or vision insurance can be a valuable resource for individuals or families. This type of insurance is designed to pay a portion of your dental and or vision related expenses.
Long Term Care - This type of insurance typically helps provide for the cost of resources necessary to provide care for elderly, aging parents or for disabled individuals when needed. Long term care insurance can cover home care, assisted living, adult day care, nursing home, hospice care among others. Long term care insurance typically covers care that is generally not covered by health insurance, Medicare or Medicaid.
Senior Insurance Products - Insurance products for senior including Medicare, Medicare supplements and Prescription drug insurance.
Property & Casualty - Property and Casualty insurance protects against property losses to your business, home or car and protects against any legal liability that may result from damage or injury to the property of others. We are not a P&C agency, however, we do have several alliances for those types of products.
