Insurance Types

Accidental Death and Dismemberment (AD&D) Insurance is a type of insurance policy that pays out a benefit if the insured dies or becomes disabled as a result of an accident. This type of insurance policy is often sold as a standalone policy or as a rider to a life insurance policy.

Comprehensive dental insurance is a type of insurance policy that provides coverage for a wide range of dental services, including preventative care, routine procedures, and major dental work. This type of insurance typically covers services such as exams, cleanings, fillings, root canals, crowns, and oral surgery.

Comprehensive major medical insurance is a type of health insurance that provides coverage for a broad range of medical services, including both preventative care and major medical expenses. This type of insurance typically covers hospitalization, surgery, and other costly medical treatments.

Errors and omissions (E&O) insurance, also known as professionally ability insurance, is a type of insurance that provides coverage for claims of negligence or mistakes made by professionals. This type of insurance is typically purchased by professionals such as lawyers, accountants, and consultants, but it can also be purchased by businesses that provide services.

An IRS 125 Plan, also known as a Cafeteria Plan, is an employee benefit plan that allows employees to choose from a selection of pre-tax benefits. These benefits can include health insurance, dental insurance, vision insurance, flexible spending accounts (FSAs), and other fringe benefits.

Long-Term Care (LTC) Insurance is a type of insurance designed to cover the costs associated with long-term care services. These services are typically provided to people who have chronic medical conditions or disabilities that prevent them from performing everyday activities independently.

Specified (Dread) Disease Coverage is a type of insurance policy that provides benefits for the treatment of specific illnesses or diseases.

Stop loss, also known as excess insurance, is a type of insurance policy that protects against catastrophic losses. It is commonly used by businesses to protect themselves from high healthcare costs associated with their employees' medical expenses.

Supplementary Major Medical insurance is a type of health insurance policy that helps cover some or all of the costs associated with medical treatment and hospitalization, including deductibles, copayments, and coinsurance. It is designed to provide additional coverage on top of an existing health insurance policy or as a standalone policy.

Travel Accident Insurance, also known as Accident Only insurance, is a type of insurance policy that provides coverage for accidental death or dismemberment that occurs while traveling. This insurance typically covers events such as airplane crashes, car accidents, or other accidents that occur while traveling for business or pleasure.

TRICARE is a healthcare program that provides medical coverage to eligible military members, retirees, and their families. It is administered by the U.S. Department of Defense Military Health System.

Vision care insurance is a type of health insurance that provides coverage for routine eye exams, prescription eyewear, and other vision-related expenses. This type of insurance can help individuals manage the costs associated with maintaining good eye health, and can be particularly beneficial for those who wear glasses or contacts, or who have other vision-related conditions.

Workers’ compensation insurance is a type of insurance policy that provides benefits to employees who are injured or become ill as a result of their job duties. Workers’ compensation insurance helps to protect both employees and employers by providing compensation for medical expenses, lost wages, and other related expenses.