You have many options when purchasing your own health insurance. The best plan for you may depend on your health conditions, your budget, and risk tolerance. Empire works with several insurance companies to find the best coverage for your needs, We review underwriting regulations to determine your rating factors, reducing surprise rate increases. Our experienced staff offers personalised consultation to guide you.
Long Term Disability insurance is needed to replace income when an individual becomes disabled and cannot perform part or all of their occupational duties. Disability benefits amounts are determined by your annual income and policies typically provide up to 60% of your annual income. There are various waiting or elimination periods to choose from; 30 day, 60 day, 90 day or 6 month waiting periods, longer waiting periods will reduce the premium of the policy.
Long Term Care insurance is designed to protect one’s saving and assets in the event you need home health care or nursing home care. LTC polices offer various daily benefits limits along with many waiting periods.
Life changes — both gradual and radical — occur every year as we deal with new tax law, estate taxes, family, personal health and business fortunes. So, it’s imperative that you’re as prepared as possible… and Empire Insurance is here to help.
Decades of experience have taught us that, while you can’t prepared for every eventuality, careful preparation and meticulous research help to mitigate risk.
That’s why Empire Insurance has developed a team of people who research fand monitor economic indicators, political and legislative climate — in order to ensure that you have the most up-to-the-minute information with which to evaluate and adjust you insurance portfolio.
We represent a wide range of life insurance carriers to meet the specific needs of our customers.
Insurance companies today offer many benefit options. Empire Insurance can best advise you on your needs.