LIFE, DISABILITY & LTC

Life, Disability & LTC

Life Insurance

It can be scary to think about, but life insurance is a necessity worth considering. Explore our comprehensive options in the chart below:

Disability Insurance

Disability insurance pays an insured person when that person is unable to work due to an accident or illness. There are two types of disability insurance policies: Short-Term Disability and Long-Term Disability. Short-term policies have a waiting period of 0 to 14 days with a maximum benefits period of no longer than two years. Long-term policies have a waiting period of several weeks to several months. 

Disability policies also come with non-cancelable and guaranteed renewable features. This gives you the right to renew your policy without an increase in premiums or a reduction in benefits. 
Long Term Care Insurance
Long Term Care insurance provides the necessary funds for insured who must seek outside assistance with the activities of daily living because of an injury or illness. Skilled nursing care, home care, and rehabilitation can all be covered by our comprehensive plans. Call or email us for a quote.
Health Insurance
Encore Insurance Advisors now offer health insurance products – both under and over age 65. Contact our agency for more details.

None of these statements should be construed as coverage definitions. All claims are settled according to the policy contract purchased. Please call if you have any questions.
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