Insurance for Individuals & Families
Giles County Insurance has been serving individuals and families with the types of personal insurance products offered to businesses. Whether you and your family could use a heath insurance coverage for the year or a short-term health insurance plan Professional Benefit Solutions has plans to insure your real life needs. We know that you and your family will also need coverage for the optional benefits if you are self-employed or working in jobs that don’t offer health benefits. This includes coverage for vision, dental, cancer life insurance and long-term care policies that you may have purchased through employers. And we know that the earlier you begin with an annuity plan, the safer your retirement plans become.
At Professional Benefit Solutions we begin by listening to the story of your life and the people you love and need to take of. And after we know what types of needs you have, we will help you select the exact Insurance programs that will allow you to move through your every day lives knowing you will have the care and the coverage you need when you need it.
We also know that life throws curve balls and unexpected changes. When those changes happen, it is good to take a look at how much insurance you have and to decide whether you still need it, need to amend or update it or need a completely different type of coverage.
Life Insurance
Life Insurance needs change as your need to provide for loved ones evolves over time. Maybe you have already paid off your mortgage. Maybe you have other loans that you want to make sure your family is able to pay off should something happen to you. Perhaps you want the peace of mind in knowing your final expenses are covered. Maybe you want to leave funds for your grandchildren to go to college or to assist them as they start their adult lives. Whatever your life story, we can help.
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Cancer Insurance
A cancer diagnosis is not just emotionally devastating for the patient and their family. It is often a financially destabilizing event. Investing in an individual cancer policy offers the ability to protect themselves financially should cancer care be necessary.
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Long Term Care
Nobody really wants to move to assisted living or need nursing home care. Nobody really wants home health services. Sadly, about 70% of us will require nursing home, skilled care or home health care during their life times. Long Term Care Insurance has become one of the most important investments in keeping families financially secure and assets protected. We’ll help you find a plan that protects your assets and give you peace of mind.
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Short-Term Health Insurance
Short-Term Health Insurance Plans can provide health coverage if you are between jobs, in college or if you are a younger spouse or the dependents of someone who has just become eligible for Medicare. These plans typically extend for 18-24 months while you are searching for a new job, aging into Medicare or working to graduate.
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Vision Insurance
Very few health insurance plans include trips to an eye doctor, yet checkups are needed annually to maintain eye health. Let us help you select the right Vision Care Policy that will cover the types of eye care you’ll require as your eye health needs change or your family grows.
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Dental Insurance
Without Dental Insurance, a trip to the dentist can be a very expensive experience. While Dental coverage is not included in most healthcare plans, you do have the option of purchasing a policy to cover dental care. Rest easy knowing that a Dental policy covers two annual visits to the dentist, routine x-rays and fillings along with some of the more extensive contingencies that face.
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Disability
Professional Benefit Solutions will provide benefit options for your employees for income replacement through AFLAC should they experience a short or long period during which they are unable to work due to an extended illness or injury. These funds, paid directly to the employee, allow them to cover routine expenses or other health needs as they convalesce.
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Younger Spouse
Life Cycle Changes. When you were married, the fact that one of you was a few years younger didn’t seem like such a big deal. But when you are 65 or older and the one with the job that has the health insurance benefits, retirement can be complicated. At Professional Benefit Solutions we are asked all the time to find a...
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