Life & Health Insurance

EXPERIENCED LIFE & HEALTH INSURANCE AGENTS

Whether you’re buying your first health insurance plan, or planning for the future by getting life insurance, the process of finding the right plan can be complicated and time consuming. You need an agent who can help you understand options available and help you find one that fits. At Macomber, Farr and Whitten, we have life & health insurance specialists prepared to guide in your insurance decisions.

MEDICAL, DENTAL, & VOLUNTARY INSURANCE FOR EMPLOYERS

We analyze your current Medical Insurance plan, and compare it to products from all available carriers on and off the marketplace. After reviewing all ACA laws that apply to determine group size and penalties, we discuss your employer and employee mandates, COBRA and W-2 reporting rules, and determine your best plan. We can meet with employees to go over available options, and work closely with the HR department to assist and guide them with enrollment and administration.

We go through the same process for Dental Insurance that we do for medical insurance. After determining your needs, and picking the best plan available, we will go over benefits, waiting periods, calendar year maximums, deductibles, and network providers. We work with your HR department to make sure you are clear on what your plan covers in the major areas of dental care- preventative, restorative, and orthodontics.

Voluntary Products include coverage that can provide benefits at the time of diagnosis of a life threatening illness, an accident requiring surgery, or an unexpected extended hospital stay.

LIFE INSURANCE FOR INDIVIDUALS & BUSINESSES

One of the greatest gifts you can leave behind for your loved ones is financial security. Your needs change over time with important milestones like marriage and divorce, home ownership, parenthood, college tuition, and retirement. We can help you review the types of insurance available to evaluate the best options for you and your family.

Term Life Insurance is a low cost, temporary coverage for short term goals. It is structured to provide protection during the length of a home mortgage, college loan, or while your family is growing.
Whole Life Insurance is a simple, guaranteed method to provide lifelong protection. It provides a conservative approach to estate planning.

Universal Life Insurance is a flexible product. If properly funded, the cash value accumulation might allow you to alter your premium payments without jeopardizing your death benefit. Loan options allow you access to cash for unexpected expenses.

The premature death of a business partner can negatively impact your business. In a short time, the loss of income and inadequate cash flow could close your doors, or require you to sell the business. Your surviving family members need financial stability and reassurance. Our carriers offer Buy-Sell Agreements that can be part of your business succession plan, as well as traditional life insurance.

The loss of a key employee can potentially devastate your business. Key Person Insurance can provide security for their family, and give your business time to attract another quality employee.

Group Term Life Insurance provides your employees with low cost coverage to help with financial burdens. Your employees will be leaving funds for their family to pay mortgages, debt, college tuition, funeral costs, and daily living expenses.

DISABILITY INSURANCE FOR INDIVIDUALS

Many individuals underestimate the importance of insuring their future income. Whether caused by injury or illness, your inability to work creates hardships for your entire family. Individual disability coverage can help you maintain some financial security until you can get back on your feet again. We can help you review waiting periods, cost of living adjustments, catastrophic benefits, residual benefits, and MNDA (mental, nervous, drug, or alcohol) limitations.

ONE TO ONE CONSULTATION

At Macomber, Farr, & Whitten, we meet with you for a one on one consultation to determine which coverage is best for you. The personal touch is what sets us apart from generic online providers. We get to know you, and tailor your plan to meet your needs and goals for the future. We want you to be a lifelong client.

For business owners, we will come to you for on-site meetings and consultations. We understand business insurance inside and out, with a focus on human resources and industry knowledge. You can trust us to find the right coverage for individuals and businesses.