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We are a full service life and benefits agency, offering leading National and Regional insurance carriers. Please review the various products to the left to continue.
800 Oak Ridge Turnpike C-104
Oak Ridge, TN 37830
423 S Charles G. Seivers Blvd
Clinton, TN 37716
739 Galleria Blvd. Ste 120
Rock Hill, SC 29730
3440 Blue Springs Rd S-203
Kennesaw, GA 30144
- "Stacey is really passionate about what she does and about helping people. Because of her attention to details and persistence; we now have more insurance coverage and are saving about $11,000 a year on all of our personal and commercial lines of insurance."
- "I have been working with MIG for over a year. They are always prompt in returning my phone calls. MIG takes wonderful care of their clients. Their rates are competitive and the coverage is excellent."
- "I have worked with Stephanie for a few years now. I refer my clients to her because she have over fifteen carriers to shop from for the best option. My clients have been really pleased with her service and so have I."
- "Stacey is a true professional. Her work ethic and attention to detail is second to none. She goes above and beyond to make sure I have exactly the right coverage my family and business needs."
- "I have found that the prompt response and attention I have received from Stacey and the staff at Madison has been excellent. They currently insure my personal autos, home and commercial properties. Their rates have saved me thousands of dollars and they are very quick to respond on a claim. I have been so well pleased that I have gotten a lot of my friends and business associates to switch their insurance and they are also happy with the rates and service."
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An individual or family health insurance plan covers one person, or a family, on one plan.
While an individual or family health insurance policy may cost more than a group policy it is better than not having health insurance coverage at all. An unexpected illness or serious injury can ruin a family financially if they do not have some basic coverage.
Most insurance companies offer the same types of managed healthcare plans to individuals that are offered to groups: HMO's (Healthcare Maintenance Organizations), PPO's (Preferred Provider Organizations) and POS's (Point of Service Plan), and generally offer different levels of deductible to keep premiums within budget. Each person or family must determine what coverage, premium, deductible and out of pocket expense will best suit their needs and their family budget.
Unlike group insurance that is available to an entire assemblage of people, no matter what their health status, almost all insurance companies require extensive questioning about medical history and sometimes a physical exam in order to qualify for individual insurance.
We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.
Dental insurance is equally important to health insurance because dental disease is still prevalent. Being protected by a dental plan and using it wisely are necessary safeguards for your entire family.
Unlike medical ailments, which are usually unpredictable, most dental problems are preventable. Checkups and cleanings are the way to keep teeth healthy. With regular preventing care, problems are diagnosed in time and can be treated with less expense to both, insurer and insured, keeping the costs of dental care much lower than medical care. Generally, a local dentist provides dental care, even though sometimes the services of a specialist are required.
Dental benefits plans can be categorized by the options offered for selecting a dentist. Some plans allow you the freedom to choose your own dentist, while others, in exchange for lower rates, limit your choice.
Today's health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person's oral health is different, costs can vary widely.
To control dental treatment costs, most plans will limit the amount of care you can receive in a given year. This is done by placing a dollar "cap" or limit on the amount of benefits you can receive, or by restricting the number or type of services that are covered.
As each individual and family have different circumstances please contact us today to evaluate your dental insurance needs and we will work to find the plan the best fits your needs and budget.
When a physical injury keeps you from working, disability insurance can help get the bills paid.
In reality, disability insurance is as important as (and in some cases, even more important than) life insurance.
More become disabled than die that's because at any given age the odds of becoming disabled are much higher than dying. In fact, every year 12% of the adult U.S. population suffers a long-term disability. One out of every seven workers will suffer a five-year or longer period of disability before age 65, and if you're 35 now, your chances of experiencing a three-month or longer disability before you reach age 65 are 50%. If you're 45, the figure is 44%.
These odds would not be a problem if people had substantial savings that could be drawn on in the event of a disability. But that's rarely the case, and any money that has been set aside has likely been earmarked for goals such as college or retirement.
There are many kinds of disability policies and options, however, the basics are simple.
The first variable is the amount of monthly benefit. Most disability policies have a fixed monthly benefit that does not increase with time, although you can purchase extra coverage, or riders, that offer higher payment schedules.
The second variable is the definition of disability -- whether it is "own occ," or the inability to perform the duties of your specific occupation, or "any occ," the inability to perform the duties of any job for which your education and training make you qualified.
The third variable is the waiting period, or the amount of time you must be disabled before benefits kick in. These waiting periods can range from one week to two years, and the longer you wait the less your disability policy will cost.
The fourth variable is the benefit period, or how long you will receive monthly benefits once your policy starts paying. The benefit period can range from six months to life, depending on what you choose as well as what your insurance company is willing to offer you.
In addition to these variables, there are other coverage options, as well as a variety of other riders. The most important is a rider that pays if you can only remain or return to work part-time. The Social Security offset rider guarantees that if you qualify for disability payments under your insurance policy but not for Social Security (a frequent occurrence) your disability policy will pay what Social Security should have.
Another important option is the additional purchase option, which guarantees you the right to buy additional disability insurance in the future regardless of your health at that time.
If you have any questions about Disability Insurance or not sure if you need coverage please contact us.
Their are many types of life insurance to fit individual needs and circumstance. The following are some of the basic types of life insurance available.
Term Insurance - The simplest form of insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component.
Whole Life - Similar to term, but you purchase the policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer "a relatively low guaranteed rate of return," but in reality pay at a rate in excess of the guarantee.
Universal Life - You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build.
With some policies, sometimes called Type I or Type A, the cash account goes toward the face value of the policy on the death of the policyholder.
With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the cash account.
While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I.
A variation of a universal policy, often called universal variable life, allows policyholders to choose investment vehicles.
Variable Life - With a variable policy, there is usually a wider selection of investment products, including stock funds. As with a universal policy, returns on investments can offset the cost of premiums or build in the account. And depending on the type of policy, the beneficiaries will either receive the face value of the policy or the face value plus all or part of the cash account.