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Church
Package Insurance |
Note that May 27-June 2 is Hurricane Preparedness Week.
The National Weather Service has several resources which are accessible at www.nhc.noaa.gov/prepare/
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We will help you protect your most valuable asset...your
church! Our specialty church carrier has designed a Church
Package Policy for churches that want property and liability
protection under one policy. The package combines comprehensive
property and liability protection under one simple policy.
You select the coverages and options important to you including:
- Building values (including organ and stained glass values)
- Contents or personal property values
- Liability limits
- Property loss deductibles
- Other Crime coverages (Money & Securities, Fidelity
Bond)
- Other Inland Marine coverages (Pastor's business property,
scheduled equipment, historic items)
- Additional liability coverages (Hired & Non-owned
auto, Directors & Officers, Sexual Misconduct)
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| Request
a Church Package quote |
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Commercial
Auto Insurance |
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Some churches own vehicles used in their daily operation.
If those vehicles are titled in the church's name, a Commercial
Auto policy is needed to protect the church from liability
concerns while travelling. Commercial Auto rates, in part,
are affected by:
- the size and type of the vehicle
- the operating radius
- the driver(s) and his record
- coverage limits
- physical damage and deductibles
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| Request
a Commercial Auto quote |
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Workers
Compensation Insurance |
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State law requires Workers Compensation (WC) coverage for
all of your employees. Whether part-time or full-time, employees
are covered on the job for work-related injuries and lost
time from work. WC rates are affected by:
- job classification
- total payroll for each job class
- experience
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| Request
a Church Workers Comp. quote |
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Life
Insurance |
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Life
insurance provides financial protection for you and your
family. It is used to cover debt obligations (mortgages,
home equity loans, car loans, credit card debts, etc.)
and provide cash flow in the case of an unexpected and
premature death of one or more of the family breadwinners.
Life insurance comes in several forms and can also be
used for estate planning purposes. Forms of life insurance
include term, universal, variable universal, and permanent. |
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Term: |
- lower
initial cost
- protection
for a specific time period
- covers
a specific need
- option
to include income stream
- option
to convert to permanent life insurance
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| Universal: |
- flexible premiums
- flexible coverage amounts
- flexible term
- guaranteed interest rates in a tax-deferred vehicle
- opportunity to accumulate cash value
- access to cash value
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| Variable Universal: |
- same benefits as universal
- investment subaccounts (mutual funds) to accumulate
cash value
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| Permanent: |
- policy guarantees
- protection for your entire life
- access to cash values
- higher initial premium
- tax-deferred vehicle with guaranteed interest rate
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| Request a life insurance
quote |
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Health
Insurance |
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Health
insurance provides financial protection against a catastrophic
medical expense. You can tailor a program of comprehensive
major medical coverage to include networks (PPO's) or
traditional (any provider) plans. You select your deductible,
coinsurance, and options for yourself and family including
maternity, prescription drug card, dental, accidental
medical expense, and a Health Savings Account (HSA) for
the self-employed. Group plans are available for two or
more employees. |
| Request
a health insurance quote |
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Disability
Insurance |
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Disability
insurance replaces lost wages due to a long-term health
condition that prevents you from working and earning wages.
Provide for your family with the disability insurance
needed to continue paying your everyday living expenses.
Select your level of income, deductible period, term of
benefits and options. |
| Request
a disability insurance quote |
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Long-Term
Care Insurance |
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Long-Term
care insurance can encompass nursing home and home health
care protection. With the cost of nursing home care
exceeding $75,000 annually, life-long savings can be
depleted in short order. Nursing home and home health
care insurance can supplement one's income to pay the
full costs associated with a nursing home or home care
stay. You can tailor a package of care to provide for
a nursing care and/or home health care protection. Choose
from many options including daily benefits ($50 - $500),
length of coverage (1,2,3,4,5,6 years, or lifetime),
elimination/deductible period (0,7,20,30,50,60,90,100,180
or 365 days), inflation protection (none, 5% simple or 5%
compound increase), and home health care benefits. |
| Request
a long-term care insurance quote |
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Individual
Retirement Accounts (IRA's) |
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Individual
Retirement Accounts (IRA's) are available to any employed
or self-employed person who receives earned income or
compensation. Contributions to an IRA may reduce your
taxable income and earnings may accumulate
tax-deferred. The
principal and interest of your IRA are not taxable income
until they are withdrawn, usually upon retirement or mandated
by the IRS after age 70 1/2. Early withdrawals (prior
to age 59 1/2) may incur a 10% penalty. |
| Request
IRA information |
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Annuities |
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Annuities
are insurance company products. They are an investment
vehicle used to provide an income stream at some future
date. You may make a lump-sum contribution or periodic
contributions over time to the annuity. You select the
future date when the annuity's principal and interest
are repaid to you. Annuities are popular investment vehicles
for IRA's, allowing income to be paid in the future over
several years, thus reducing the tax impact. |
| Request
Annuity information |
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