Health and Life

A Range of Individual & Group Coverage Options

In today’s marketplace, health insurance can be downright confusing. If you’re scratching your head and feeling anxious, you’re not alone. But that’s where we come in. Whether you are seeking coverage for yourself, your family, or your company’s employees, we are here to help you understand your health insurance options. The Dearborn Agency represents a number of top health insurance carriers, including Blue Cross Blue Shield, Blue Care Network, Priority Health, HAP, Aetna, and Humana.

 

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A Range of Individual & Group Coverage Options

In today’s marketplace, health insurance can be downright confusing. If you’re scratching your head and feeling anxious, you’re not alone. But that’s where we come in. Whether you are seeking coverage for yourself, your family, or your company’s employees, we are here to help you understand your health insurance options. The Dearborn Agency represents a number of top health insurance carriers, including Blue Cross Blue Shield, Blue Care Network, Priority Health, HAP, Aetna, and Humana.

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Group Health for Your Company's Employees

By selecting us as your company’s health agent, you will enhance your human resource administration with the addition of our team’s expertise and experience. We can walk you through the Affordable Care Act, Michigan’s latest legislation, and other policies and laws that may affect your company. 

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The Dearborn Agency offers these employee benefit packages:

  • Group life insurance
  • Group health insurance
  • Group dental plans
  • Group long term disability insurance
  • Group short term disability insurance
  • Health savings accounts

Looking to cover yourself and/or your family? We offer the following packages:

  • Individual health insurance
  • Disability income insurance
  • Short term health insurance
  • Long term care insurance

Life Insurance Types

Protecting the things you love the most means protecting the people that make up your dreams. Life insurance—term life insurance, whole life insurance or universal life insurance—are options to make that happen. Life insurance can provide your family with a financial foundation in the event of your untimely death. We know that buying insurance can be confusing at times. We work with some of the top life insurance carriers in the country to provide you with a range of options in term insurance, whole insurance and universal insurance.

First, let’s understand the three main types of life insurance.

  • Term Life Insurance provides temporary protection over a set period of time, so that family members are insured with things like a mortgage or other expenses in the case of death. With 10-, 20- or 30-year coverage periods, these policies are the least expensive type and have no cash value unless the insured passes away during the course of the term.
 
  • Universal Life Insurance, a.k.a. adjustable life insurance, generally involve flexible premiums and flexible death benefits, building a cash value that depends on how much is put in.
 
  • Whole Life Insurance policies have set premiums that do not increase and offer lifetime protection for loved ones based on accumulated cash value. As the most expensive policy type, they build up cash value and guarantee insurability.

Unlike term life policies, Universal Life Insurance and Whole Life Insurance are considered permanent life insurance. These policies typically include a savings/investment portion and an insurance portion. Insured people can take a loan by borrowing against the cash value. 

Ready to protect your loved ones? Let us help you choose the right type of protection. Contact us today.

Term Life Insurance

  • Less expensive
  • Temporary protection
  • Set terms of 10, 20, 30 year
  • No cash value

Universal Life Insurance

  • Permanent life insurance
  • Flexible premiums & death benefits
  • Accumulated cash value
  • Can be borrowed against

Whole Life Insurance

  • More expensive
  • Permanent life insurance
  • Set premiums
  • Lifetime protection
  • Accumulated cash value
  • Can be borrowed against

CONTACT

The Dearborn Agency
22691 Michigan Ave.
Dearborn, MI 48124
Phone: (313) 562-8373
Fax: (313) 562-5371
info@dearbornagency.com

INSURANCE SERVICES

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