Life & Health Insurance

EXPERIENCED LIFE & HEALTH INSURANCE AGENTS

Whether buying your first health insurance plan or planning for your future with life insurance, the process of finding the right plan can be complicated and time-consuming. You need an agent who can help you understand options available and find one that fits. At Macomber, Farr, & Whitten, we have life and health insurance specialists prepared to guide in your insurance decisions.

MEDICAL, DENTAL, & VOLUNTARY INSURANCE FOR EMPLOYERS

We analyze your current Medical Insurance plan. Then, we compare it to products from all available carriers on and off the marketplace. After reviewing all ACA laws that apply to determine group size and penalties, we discuss your employer and employee mandates.

We also review COBRA, and W-2 reporting rules to determine your best plan. We can meet with employees to go over available options and work closely with the HR department to assist and guide them with enrollment and administration.

We go through the same process for Dental Insurance that we do for medical insurance. After determining your needs and picking the best plan available, we go over benefits, waiting periods, calendar year maximums, deductibles, and network providers.

We work with your HR department to make sure you are clear on what your plan covers in the major areas of dental care including preventative, restorative, and orthodontic care. Voluntary Products include coverage that provides benefits at the time of diagnosis of a life-threatening illness, an accident, surgery, or unexpected extended hospital stay.

LIFE INSURANCE FOR INDIVIDUALS & BUSINESSES

One of the greatest gifts you can leave behind for your loved ones is financial security. Your needs change over time with important milestones like marriage, divorce, homeownership, parenthood, college tuition, and retirement. We review the types of insurance available to evaluate the best options for you and your family.

Term Life Insurance is a low-cost, temporary coverage for short-term goals. Structured to provide protection during the length of a home mortgage, college loan, or while your family grows.

Whole Life Insurance is a simple, guaranteed method to provide lifelong protection. It provides a conservative approach to estate planning.

Universal Life Insurance is a flexible product. If properly funded, the cash value accumulation might allow you to alter your premium payments without jeopardizing your death benefit. Loan options allow you access to cash for unexpected expenses.

The premature death of a business partner can negatively impact your business. In a short time, the loss of income and inadequate cash flow could close your doors, or require you to sell the business. Your surviving family members need financial stability and reassurance.

Our carriers offer Buy-Sell Agreements that can be part of your business succession plan along with traditional life insurance. The loss of a key employee can potentially devastate your business. Key Person Insurance can provide security for their family, and give your business time to attract another quality employee.

Group Term Life Insurance provides your employees with low-cost coverage to help with financial burdens. Your employees leave funds for their families to pay mortgages, debt, college tuition, funeral costs, and daily living expenses.

DISABILITY INSURANCE FOR INDIVIDUALS

Many individuals underestimate the importance of insuring their future income. Whether caused by injury or illness, an inability to work creates hardships for your entire family. Individual disability coverage can help you maintain some financial security until you can get back on your feet again. We can help you review waiting periods, cost of living adjustments, catastrophic benefits, residual benefits, and MNDA (mental, nervous, drug, or alcohol) limitations.

ONE TO ONE CONSULTATION

At Macomber, Farr, & Whitten, we meet with you for a one on one consultation to determine which coverage is best for you. The personal touch is what sets us apart from generic online providers. We get to know you. Then, we tailor your plan to meet your needs and goals for the future.

We want you to be a lifelong client. For business owners, we come to you for on-site meetings and consultations. We understand business insurance inside and out. With a focus on human resources and industry knowledge, you can trust us to find the right coverage.