KATHY HOPE |
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Insurance Advisors |
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YOUR
CA HEALTH INSURANCE BROKER FOR 22+ YEARS |
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Individual, Child-Only, Family, Entrepreneur, Small Business, Group,
Medicare |
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Serving Northern and Southern California |
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California Auxiliary Insurance
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Sometimes
"individuals" cannot afford to buy or be
offered via existing employment plans
health policies that include a wide array
of coverage options.
Supplemental
Insurance provides "additional" coverage
for your specific needs. Insurance
Advisors will help you find the very best
supplemental insurance policies for your
needs.
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TYPES OF AUXILIARY INSURANCE |
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Disability Insurance -
What would happen if an accident or an
illness prevented your from working?
Disability insurance will protect your
earning power by providing monthly
disability income benefit. It's one thing
to have coverage for medical bills and
another to pay your expenses while not
being able to work! You need both and I
can help you know how much you need!
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Catastrophic Coverage
- These
policies are intended to pay for major
hospital and medical expenses, not any
type of routine visit to the doctor's
office or trips to the ER. A catastrophic
plan would cover treatment in an
intensive-care unit after an accident or
complications from a pregnancy that cause
you to land in the hospitals. Necessary
for those incidents that change one's life
in an instant. At least know that
your medical care will be covered and that
you can go after the best care there is. |
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Dental
Insurance
- If you are a
healthy person, dental insurance may cost
more than the cost of the
insurance. However if you are not healthy
or have a dental history, you may want to
buy some variation of dental
insurance. Most Americans are having
cavities filled, root canals performed,
and crowns added. The cost of periodontal
work and/or tooth extraction can be
extremely expensive. |
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Life
Insurance
When do you need
life insurance? The answer depends on whether
you have dependents, i.e. children, a spouse, or
other people who depend upon you for financial
support. If you do and you want to protect their
financial health after you die, the answer is
yes. If you don't, life insurance is an
unnecessary expense. There are 3 primary types
of life insurance: |
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Term
Life
This is life
insurance that will pay only if you die
within a pre-chosen term of years. It
has no cash value and is the least
expensive type of life insurance. It is
often bought because it is inexpensive
and allows some coverage in the event of
death, but also lets people invest the
cost savings in stocks, bonds, or mutual
funds. |
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Universal Life
The most
flexible type of life insurance. You may
actually decide how much to pay into it
each year, although the insurer will
suggest a target premium which is the
amount you would have to pay to keep the
policy in force until age 100. A portion
is used for investments and a cash value
is assigned to your policy. No matter
how badly the investments might go, you
are guaranteed a certain minimal return
on the cash portion. If the investments
go well, you receive an increase in your
cash value. Universal Life operates as a
savings plan and as life insurance. You
may borrow money from this type of
plan. |
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Whole Life
Whole Life
gives death protection for as long as
you live. You pay a fixed premium every
year based on your age and other
factors. As you pay your fixed premium,
the policy develops a cash value which
you may have if you stop paying
premiums. If you die your beneficiary
gets a fixed amount. This plan works as
a death benefit, a source of income for
old age, plus may also be borrowed
against |
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HEALTH
INSURANCE PROVIDERS WE WORK WITH INCLUDE:
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