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Life / Health Insurance
Williams Insurance Service offers a complete line of insurance services ranging from life and disability income to group life and health insurance. These products and services are designed to provide solutions to your personal and business financial needs, including:
Individual Health
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. Williams Insurance Service 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, Williams Insurance Service 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.
Click Here For Group Health Questionnaire
Individual Life
Life insurance from Williams Insurance Service can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs.
Please email us about this coverage: williams@wisservice.com
Term Life
Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term.
Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.
Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.
Universal Life
Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments - i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.
Whole Life
Whole Life Insurance provides permanent protection for the whole of life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever canceled.
These products are continually changing and we can provide you with the latest information and policies available!
Please email us about this coverage: williams@wisservice.com
Individual Disability
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.
Please email us about this coverage: williams@wisservice.com
Individual Long-Term Care (LTC)
Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.
Please email us about this coverage: williams@wisservice.com
Group Health
At Williams Insurance Service, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.
With the changing face of health insurance in today's market, we at Williams Insurance Service are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.
Please email us about this coverage: williams@wisservice.com
Group Life
Life insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families.
Employers have a wide variety of optional plan designs to customize a Group Life plan. Optional coverages include Voluntary Life insurance, Supplemental Life coverage, Accidental Death and Dismemberment policies, and Dependent Life insurance. The premium paid for Group Life is generally a tax deductible business expense, and this stand-alone contract is usually less expensive than the life coverage provided with medical insurance.
Please email us about this coverage: williams@wisservice.com
Group Disability
Coverage provided for a group for loss of compensation due to accident or sickness.
Please email us about this coverage: williams@wisservice.com
Group Accident
Insurance coverage bought for and provided to a group instead of an individual. For example, an employer may buy disability, health, and term life insurance for its employees at a far better rate than the employees could obtain on their own.
Please email us about this coverage: williams@wisservice.com
Cancer
Cancer insurance is a benefit that will pay you money if and when you are diagnosed with cancer.
Please email us about this coverage: williams@wisservice.com
Heart Attack /Stroke
Heart/stroke insurance helps pay the expenses a customer's major medical plan doesn't cover, such as co-payments, deductibles and even their daily living expenses
Please email us about this coverage: williams@wisservice.com
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