Insurance can be confusing and it’s hard to know what you really need or want. But here are five very good reasons why you need life insurance.
Health Insurance
A group health insurance plan is an insurance plan that provides healthcare coverage to a select group of people. Group health insurance plans are one of the major benefits offered by many employers. A group health insurance policy is purchased by an employer (or employee organization) and is offered to eligible participants, and to eligible dependents of participants. With group health insurance, the risk is spread over the company -- the number of participants covered. With group health insurance, the employer selects the plan (or plans) to offer to employees. The premium cost is usually split between the employer and employee, and there is a minimum percentage rate the employer must contribute to the premiums. Under federal law, small employers are guaranteed group coverage should they choose to purchase it, regardless of the employees' health status. A “small employer” is defined as a business with 2 to 50 full-time employees.
Disability Insurance
Many individuals who wouldn’t dream of leaving their home or car uninsured fail to protect their most important asset: their income. That’s where short-term disability insurance comes in. It pays a percentage of a policyholder’s gross income each month while he or she is disabled, adding a vital measure of financial security in a time of need. Policy cash benefits can help policyholders meet financial obligations ranging from rent or mortgage payments to gas and grocery bills when they’re unable to earn their usual paychecks.
Dental Insurance
At R&R Nevada Insurance Group, we work with top leading carriers that provide dental insurance. Plans differ primarily in how much you'll have to pay monthly for your coverage and how much you'll have to pay when dental services are rendered. Compare Nevada dental insurance plans and select the dental plan designed to meet both your dental care needs and budget.
Vision Insurance
1. Vision wellness – Like a regular fitness program, vision insurance promotes good health. Eye exams are considered preventive care and plans typically cover most, if not all, of the exam cost. Scheduling regular exams helps your eye doctor identify vision correction needs, changes inside the eye and early stages of eye diseases, such as glaucoma, cataracts, macular degeneration and diabetic retinopathy.
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Travel Insurance
We also offer and represent many other carriers for medical and ancillary/voluntary products such as: Dental, Vision, Life Insurance, Travel Insurance, AFLAC and more!