Life & Health

Most people underestimate the amount required to see their children through college, or to allow a surviving spouse to maintain his or her standard of living. Selecting the right insurance product and coverage is key to meeting these needs. The two basic types of coverage are term life, which provides the most affordable coverage, and permanent life insurance, which combines a death benefit with an investment component.

There are several types of permanent life policies which differ in the investment options involved. One of the most popular is Universal Life, which provides a market interest rate and payments that are generally lower than traditional whole life. Variable Universal Life allows you to choose between investment options, assuming both the risks and rewards associated with your selection.

With the rising costs of health care, some people are finding it difficult to find affordable coverage. Whether your employer does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own health insurance policy.

Health insurance policies most often provide coverage for:

• Doctors visits
• Prescriptions
• Medical Testing
• Specialized care
• Surgical procedures

We also provide Medicare supplements, long term care, income protection, etc. Contact Bauer-Crowley today for a free health insurance quote and more information on all of the policy options we offer.