Hover Insurance Services, Inc.

Individual Benefits
Hover Insurance Services offers individual coverage in the areas of health, life and disability. Whether you are a sole proprietor or the CEO of a corporation, your individual and business needs will be coordinated to meet your objectives. This includes working with your accountant and/or attorney to properly integrate all insurance coverage.

Medical
Various types of medical coverage are available to individuals. The choices range from Blue Cross/Blue Shield plans with low deductibles to catastrophic Major Medical with high deductibles. Since medical underwriting can be time consuming, Hover Insurance Services monitors the process to assure timely issuance of the policy. Temporary policies are also available.

Long Term Care
Long Term Care refers to a broad range of medical, personal and social services required for people of any age who are unable to function independently on a daily basis over a relatively long period of time. Millions of Americans of all ages currently need long term care due to illness or injury and these numbers continue to grow as our population increases and ages. Our staff can assist you in choosing a Long Term Care policy that fits your current budget as well as your goals for a secure future.

Disability Income
One in three people is disabled for more than ninety days before reaching the age of sixty-five. Few people realize the full financial impact of an extended disability. Non-cancellable, guaranteed renewable disability policies protect your most important asset, your ability to earn money. We will analyze your individual/business needs and make the appropriate recommendation.

Disability Insurance needs:

Life Insurance
Individual life insurance recommendations are just that -- individual. Your business and personal needs are evaluated and recommendations are made to assure your family's well being. Whatever the need, we have the product, as we represent over forty life insurance companies. Our analysis will tell you whether term insurance or a permanent contract is in order.

Life Insurance needs:

Individual Annuities and Retirement Plans
With the Tax Reform Act of 1986, the tax-deferred marketplace is looking more attractive every day. There are products available that offer a good rate of return with little financial risk. Whether you want to start a retirement plan or realize a better return on an existing plan, we can assist you in making the right investment decision.