Brooks Insurance Services - Services
Brooks Insurance Services is a Life and Health Brokerage. We also provide additional services to our clients.
Health Insurance Products
There are several kinds of Health Insurance Products. You have short term (also called temporary coverage), major medical, limited benefit medical (also called indemnity benefits plan medical),group medical, cancer plans, accident plans, and critical illness plans. For those on Medicare this can also include Medicare Supplement and Medicare Prescription plans.
We help our clients assess their needs and work towards securing the plan most appropriate for the specific needs of the client. We are aware of underwriting criteria as well as pricing since they are part of the equation in determining the best coverage options for each individual. We also recommend changes in coverage where appropriate, which is part of the ongoing work with our clients.
Life Insurance Products
Many life insurance policies are available, depending on the various client needs. We help our clients choose the appropriate life insurance plan based on their unique needs. Everyone is unique when it comes to life insurance because the needs for one family is different than the needs for another family. Add on that each person has different medical situations which can easily render different underwriting outcomes from the same carriers, so maximizing the cost effectiveness of a policy based on the unite insurance needs is where we come in.
There are many uses for life insurance, including executive compensation, buy-sell agreements, key man life coverage, replacement of income, estate planning, donations to charity, and many more. There are policies that provide a way to earn growth on the policy value while offering a tax free death benefit to the beneficiary.
Long Term Care and Disability Products
Long Term Care Insurance and Disability Insurance are two products often overlooked. Both of these policies though offer significant protection and many options related to how the policy is set up. We are here to help our clients understand these policies, and how they will protect family assets. These policies provide immense protection potential for most families.
Because these policies are complex we provide our expertise towards helping clients pick the most appropriate plan design for their unique needs. We enjoy helping families secure protection necessary to ensure their assets aren't wiped out by a disability or if the covered family members need to enter into a long term care arrangement.