Plan Today To Protect Tomorrow

Life, Health, Disability & Long Term Care Insurance

Insurance is an essential part of a financial plan. Whether you're protecting your income, your loved ones, or your own independence, making sure that you're adequately insured can save you from financial ruin in the event of an unfortunate circumstance. With careful consideration of your personal objectives, we can help determine how insurance can be part of the solution to your most important financial concerns.

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Life Insurance Strategies

Life Insurance

Life insurance is an integral component of your overall financial plan. The first step in life insurance planning is determining the need. People get life insurance for many different reasons, but it is generally used to protect your family or business. We help you decide what coverage you need, who should own the policy, and how to structure and pay for it. We can assist with:

Disability Insurance

Protect Your Most Important Asset, Your Income

Disability Insurance

When we think of our most important assets, it's easy to overlook our income as the one that needs protection most. No one likes to think about what life would be like should a disability occur. But the reality is, according to the American Council of Life Insurers, one third of all Americans between the ages 35 and 65 will become disabled for more than 90 days. Contact us to:

Health Insurance

Get Answers. Get Covered.

Individual & Family

Individual & Family Health Insurance

Purchasing health insurance is one thing, but making sure you are getting the best health insurance for you or your family can be tricky, especially when there are so many options to consider. At IFC, we help you navigate insurance carriers and plan benefits so you choose the plan which best suits your lifestyle, needs and budget.

Medicare. Made Simple

Medicare Insurance

Medicare has several parts to consider when making your health care insurance choices. Understanding Medicare and how it works, will allow you to choose the best plan to fit your needs. Not only can we help you make sense of Medicare, we can assist you in choosing which supplement option is best for you.

Medicare Advantage Plans
Also known as Medicare Part C, Medicare Advantage plans are plans offered by private insurance companies approved and contracted with Medicare. In addition to providing Medicare Part A and Part B benefits, MA Plans usually include additional coverage, such as prescription drugs, vision, and/or dental.
Medicare Supplement Plans
A private health insurance policy designed to supplement, or help pay for services not covered by Original Medicare. Medicare Supplement Plans are often referred to as "Medigap" plans.
Prescription Drug Plans (Part D)
A private health insurance policy designed to help with prescription drug costs.

Group Coverage For Businesses

Group Health Coverage

Health insurance, as a benefit, has been seen by employees as the most important benefit they receive from their employer. Therefore, companies that offer comprehensive medical coverage to their employees tend to have a lower staff turn-over rate. In addition, offering medical benefits is often used as an important perk to attract key employees and boost morale. Depending on the size of your company, the federal government may require you to offer coverage to your employees.

Dental & Vision

Dental & Vision Insurance

Great oral hygene is an essential part of a healthy lifestyle. Individual dental insurance plans can help you maximize your oral health. In fact, people with dental insurance are more than twice as likely to visit their dentist regularly. For vision insurance, we recommend VSP, the only national not-for-profit vision care company. This helps keep premiums and out-of-pocket costs low.

Health Care Reform
The Affordable Care Act

Like it or not, the Affordable Care Act, more popularly known as Obamacare, is here to stay. The reform will forever change the health insurance industry. There are many facets to the law you need to be familiar with such as the individual mandate, metal levels and health insurance marketplaces to name a few. Call today to see how health care reform impacts you or your business.

  • New Laws
  • Government
  • Enrollment
  • New Health Plans
  • Customer Assistance
  • Doctors

Long Term Care Insurance

Preserving Choice and Dignity When You Need Care

Long Term Care Insurance

At least 70% of people over age 65 will require some long term care services at some point; more than 40% will need care in a nursing home¹. If you ever have a long-term illness, a chronic condition or Alzheimer’s disease, you may need help with things like bathing, dressing and eating…Planning for long term care needs can be complicated and overwhelming. Educating yourself about long term care insurance and the benefits it can provide is an important step in preserving not only your wealth, but your independence as well.

¹ U.S. Department of Health and Human Services, September 2008.

Risk management is the foundation of any financial plan. Learn How effective Insurance Planning can help protect you and your family.