Life Health Personal

There is an extremely wide array of products and services within the industry to provide coverage for you and your family's life and health insurance needs. However, the complexity of the many products and services available can be confusing and difficult to understand.

Our agents understand the complexity of the many types of life and health insurance options available in the market and will work with you to design a plan that is not only affordable but also well suited for you and your family's needs.

Below is a brief list and description of the life and health related insurance coverage most sought by our clients. The list by no means all-inclusive of our services. To serve you best, we suggest a face-to-face appointment with one of our agents.

Individual Life Insurance - helps you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living. We provide a variety of life insurance products, including permanent, term, variable, flexible and whole life policies.

Individual Health Insurance - provides support to individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families. TrustPoint Insurance offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

Dental Insurance - helps you cover the costs of dental care for you and your family. Covered dental services include exams, cleanings, fillings, extractions as well as crowns, bridges, dentures and orthodontia.

Long-Term Care - provides support for the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.

Long-Term Disability Insurance - replaces your income should you become disabled and unable to work. Many people have some form of disability insurance through their employer. The employers' policy may not be just what your need. In this case, you will probably want to supplement the employer's policy with an individual policy of your own.