Welcome to our insurance information center, your source for all insurance information from Kane Insurance.
If you’re interested in finding locally specific insurance information please feel to visit our national insurance directory.
Life Insurance Information
There’s nothing more important than family and that’s what makes life insurance such a unique insurance protection product. Most forms of insurance protect and reimburse the individual paying the insurance premiums, whether it’s health insurance, auto insurance, homeowner’s insurance, flood insurance, fire insurance, accidental death & dismemberment insurance, or disability insurance; yet, life insurance goes a step further by providing stability in the form of a death benefit payment to the beneficiaries of the insured. It’s one of the best and most tax advantageous ways to make sure that your family is being provided for even after you’ve gone to a better place.
Below are a few of the different types of insurance that we provide through our extensive network of carriers:
Group Life Insurance
Guaranteed Issue Life Insurance
High Risk Life Insurance
Mortgage Life Insurance
No-Exam Life Insurance
Return of Premium Life Insurance
Senior Life Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Health Insurance Information
Thanks to the recent passing of the Universal Health insurance laws and the ongoing health insurance debate most Americans are familiar with health insurance– its practical applications and it’s universal appeal. Providing numerous types of coverage for hospital visitations, overnight stays, emergency room visits, and other medical expenses health insurance is designed to provide the insured protection from the massive financial costs of medical treatment.
The different types of health insurance products vary by size of the copay or deductibles, coverage limitations, and treatment options and as you’re probably aware it can be purchased either on your on or with an employer as part of a group plan.
Below you will find the various types of health insurance that we offer for our clients thanks to our extensive network of insurance carriers:
COBRA
Consumer Directed Health Plans
Fee For Service Health Insurance
Health Insurance for Children
Group Health Insurance
Guaranteed Issue Health Insurance
Health Maintenance Organizations
Health Savings Accounts
HIPAA Conversion Insurance Plans
Maternity Health Insurance
Preferred Provider Organizations
Point of Service Health Insurance
Short Term Health Insurance
Supplemental Accident Coverage
Medicare Supplemental Insurance
Many Americans get their healthcare through state and federal government programs and as the baby boomers start turning 65 more and more seniors are going to be trying to find affordable medical care while life expectancy continue to rise.
Medicare Part A is compulsory hospital insurance (also known as HI) which provides specified in-hospital and related benefits. All workers that are covered by Social Security finance its operation through FICA and will automatically receive benefits once they’re eligible to receive social security benefits. Medicare Part B is designed to provide supplementary medical insurance (also known as SMI) to cover medical services, physician services, and supplies not covered under Medicare Part A. Anyone looking to receive Medicare Part B coverage may enroll and pay a monthly premium. Medicare Part B is financed by monthly premiums from those who participate and by tax revenues.
Medicare Supplemental Insurance is an insurance product designed to provide insurance protection where Medicare Part A and Medicare Part B do not. These gaps in coverage account for around 20% of the medical expenses which is why the industry also refers to medicare supplemental insurance as Medigap.
Medicare Supplemental Insurance generally covers copays and deductibles and add to providing a comprehensive healthcare plan for seasoned Americans at very affordable rates.
Final Expense Insurance
Final Expense Insurance is a phrase used by the insurance industry in reference to smaller life insurance policies that are specifically tailored with paying for end-of-life expenses (like the cost of a funeral). The tax free payment made to the policy’s beneficiaries will make it possible to pay for the rising cost of funerals, burials, and other debts that may have been incurred.
The premiums will not increase, the insurance coverage is permanent, the policy’s cash value grows, all while there’s no need for a medical exam in order to get a policy. Final expense insurance should not be confused with burial protection insurance that only cover the cost of the burial itself.
