individual Insurance

Individual & Family Health Insurance

Individual health care is now not an option, it’s the law. Everyone has to have health insurance or face a penalty. Anchor Insurance agents are certified federal brokers and can help people get work through the federal marketplace to get Affordable Care Act health insurance policy.

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

Anchor Insurance offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agency, Anchor Insurance Agency, Inc. can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.

Individual & Family Health Insurance

Definition of ‘Life insurance’:
A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.

Life insurance is for you and the people you care about. Maybe you just want to protect loved ones for a certain number of years or a lifetime. Or maybe you’re looking for the benefits of life insurance to generate the potential for a supplemental source of retirement income or help pay for long term care. Our portfolio of life insurance solutions can help you do it all.

Individual Disability Insurance

Troy was a business owner and the labor force of his company. Last fall, he was working on a telephone pole when it snapped. Troy crushed his tibia in his right leg and went through a series of surgeries. Luckily, Troy had purchased a disability policy through our agency. It allowed him to heal and not have to try to gut it out on a daily basis.

Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty three percent of large companies provide group long term disability insurance.

Your chances are even less likely to get long term disability insurance if you work for a small company. The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy and often you can get coverage automatically without having to qualify medically. If your employer doesn’t provide disability insurance then you may want to consider an individual disability policy.

Or, you may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

Accident Insurance

Fill in the healthcare insurance gaps with accidental injury Insurance – Accident Expense Plus Accident Expense Plus® is ideal for individuals and families who would like to experience fewer out-of-pocket medical expenses in the case of a covered accident or critical illness.

Who should consider an Accident Expense Policy?

  • Anyone who has a major medical plan with a significant deductible or large co-payments
  • Anyone with limited access to health care providers
  • Anyone seeking to reduce their out-of-pocket health care expense

Benefits of accidental injury insurance:

  • No network restrictions – access any hospital, physician or medical facility
  • Pays money directly to you – not medical providers
  • No waiting period to use benefits – submit claims immediately
  • No overall annual or lifetime limit – no matter how many accidents you have
  • No coordination with major medical – pays benefits related to accidents regardless of other health coverage

Critical Illness Insurance

Critical illness insurance pays a lump sum cash benefit when you are diagnosed with a critical illness.

In the time it takes you to read this sentence, the bills from a critical illness may have forced yet another American to file for bankruptcy. Some 1.4 million Americans will file for bankruptcy in 2009, which equates to about three every minute.

In the late 1990s, a new financial product was developed to help consumers cover expenses associated with critical illness. Appropriately, it’s called Critical Illness Insurance.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.

Individual Dental Insurance

Individual Dental Insurance is available to individuals and families that are not covered on group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money out of your pocket.

A freedom-of-choice plan allows you to see any dentist you wish. However, this plan does impose 6- to 12-month waiting periods for some services. This is not the best plan for an individual who needs comprehensive coverage within the first 12 months. However, if dental coverage is desired for a long period of time, and there is no rush to receive the major benefits, this plan may work for you.

Annuities

What is an annuity?
An annuity is an insurance product that pays you periodic income payments in exchange for your premium payment. It can be used as part of your overall retirement strategy. Depending on the type of annuity, it may help you grow your retirement savings, protect your savings from loss, and offer death benefits to protect your beneficiaries.

How to choose an annuity
Make your choice based on how your needs match up to the features of the annuity. Do you need to grow your retirement savings or are you concerned with losing principal? Or both? Do you need income that starts now or in the future? Do you want to leave a legacy to your heirs? These are some of the questions to ask yourself to determine which annuity might work for you.

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Phone

402.218.2766

Address

Wahoo Office

136 E 5th Wahoo, NE 68066

Fort Calhoun Office

102 S. 14th St
Fort Calhoun, NE 68023

Grand Island Office

1811 West 2nd St Ste 235
Grand Island, NE 68803

Omaha Office

11922 I St
Omaha, NE 68137

Kearney Office

1312 2nd Ave Ste B
Kearney, NE 68845