Life Insurance

When you want to give more to the people you care most about, protect them with a life insurance policy.  With our expert experience and our ability to instantly quote over 200 life insurance companies, we can find the right life insurance product to meet your needs from Term Life Insurance to any type of Cash Value Life Insurance. Use our online life quotes or  call to speak with one our Customer Service Agents.  Life insurance rates are at an all-time low.  If your current life insurance was purchased more than 2 years ago, we can find you better rates.  Whether you need to rewrite your current coverage or buy new coverage to protect your family, we are always happy to help!  Get a free quote.  Did you know that all health insurance rates are fixed by law?  The rates you get from us, will be the lowest rates for the same product.

Life Insurance Calculator

Not sure how much life insurance you'll need?  This link will take you to a Life Insurance Needs Calculator on msn.com: http://lifehappens.org/life-insurance/life-calculator

Individual Life Insurance/AD&D

If your employer does not currently offer life insurance or doesn't offer enough we can help you.  As a life insurance broker we have individual life insurance programs to meet any budget or health situation.  Term life insurance is the least expensive, but the coverage is for a limited period of time -- from 5 to 30 years, generally.  While most plans offer some type of conversion to a whole life policy, it usually makes economic sense to rewrite the insurance in another term policy. Most life insurance plans will require a simple paramedical exam including blood and urine specimens, an examiner will come to your home or office at your convenience.  Group Life Insurance/AD&D Life Insurance is an excellent benefit to offer your employees and is an easy way to provide protection for your employees and their families.  Plans start as low as $5 per employee for $15,000 of life insurance.  We also can arrange Buy/Sell Agreements and Key-Person Life policies for groups. Key Person Life Insurance This protects your company's solvency in the event of losing a key employee or founder. Lenders and investors generally require that a business carry key-person insurance to protect their loans and investments in the company. Buy-Sell Insurance With a cross-purchase agreement, each owner of the corporation purchases an insurance policy on the other shareholders. Upon the death of a shareholder, the other shareholders are then able to use the life insurance proceeds to purchase the ownerýs shares.

Disability Insurance

According to the American Council of Life Insurers, nearly one-third of all Americans will suffer a serious disability between the ages of 35 and 65.   You can purchase individual coverage or group coverage for your company and employees.  As your broker, Health Solutions USA Insurance & Financial Services can help you design an affordable plan to help protect and secure your income if you should ever become disabled or injured on the job. You can generally buy insurance to cover up to 60% of your current income or your  income to cover up to 60% of your current income or your employees' income.  Let us develop a plan to secure your most valuable asset - your income.  Get a free quote.  Did you know that all health insurance rates are fixed by law?  The rates you get from us, will be the lowest rates for the same product.

Disability Insurance Calculator

http://lifehappens.org/disability-insurance/disability-calculator

Short-Term Disability Insurance

Plans start as low as $30 for an individual/employee earning $40K per year.  This will protect your employee from lost income if they end up in the hospital and need recovery from 1-13 weeks.

Long-Term Disability Insurance

Plans start at $5 for an employee earning $40K per year.  If an employee has an accident or illness that leaves them unable to work, they can begin long-term coverage 90-180 days after disability starts and continue until Social Security retirement age.