Understanding Your Car Insurance

Collision and Comprehensive Insurance Coverage

If you read and understand your car insurance policy and coverage limits, you’ll be less worried and more relaxed should something happen, because you’ll know what to expect with comprehensive auto insurance coverage.

 

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Long-term Care Insurance - Can You Afford Not to Have it?

 

Long-term care refers to the many services beyond medical care and nursing care used by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these services, which can be very expensive. A policy also ensures that you can make your own choices about what long-term care services you receive and where you receive them. 

Ordinary health insurance won't cover it.
People are living longer and longer these days. That's good news, but the flip side of that is there are more years in which there's a risk of serious health problems. And that could literally cost all of your remaining life's savings. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses. Medicaid, a federal/state health insurance program, will only pay for long-term care if you've already spent most of your savings or other assets. So, there's long-term care insurance.

Long-term care insurance typically covers the cost of:

• Help in your home with daily activities like bathing, dressing, eating and cleaning. 

• Community programs, such as adult day care. 

• Assisted living services that are provided in a special residential setting other than your own home. These services may include meals, health monitoring, and help with daily activities. 

• Visiting nurses. 

• Care in a nursing home. 

Douglas Salter

Account Executive

621 Delaware Street
New Castle, DE 19720

Phone:  302-328-6111

Fax:      302-322-3124

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Get the insurance plan you need today!

Medicare Supplement policies are designed to cover expenses not covered (or only partially covered) by the “original Medicare” fee-for-service benefits. Medigap plans may be purchased on a guaranteed issue basis (no health questions asked) during a six-month open enrollment period when an individual first becomes eligible for Medicare. The benefits offered by Medigap plans are standardized. Read more

Full Service Insurance from Brian Roselli

Permanent life insurance is a form of life insurance such as whole life or endowment, where the policy is for the life of the insured, the payout is assured at the end of the policy (assuming the policy is kept current) and the policy accrues cash value.

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Questions about Variable Universal Life Insurance? Evans Houseman & Richard has your Answers

Variable Universal Life Insurance (often shortened to VUL) is a type of life insurance, which builds cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. Read more

Health Insurance Quotes in Montgomery County, PA

The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

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You Hometown Life Insurance Specialist

Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical illness. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured’s demise.

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Find the auto insurance that’s right for you

Do you have enough coverage — or the right coverage? Request a free insurance evaluation from Southeastern PA Insurance to ensure that you have to proper coverage for yourself and you family.  Southeastern PA Insurance is your hometown insurance specialist, dedicated to finding you the right coverage at an affordable rate for all of your insurance needs- auto insurance, renters insurance, and commercial insurance as well.   

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