At Bell Insurance Groups LLC we offer a variety of insurance plans for federal and other government employees. If you don’t see the benefit plan you are interested in listed below, please don’t hesitate to contact us.
We can be reached by calling (877) 759-1151 or email us at info@bellinsurancegroupsllc.com.
You never know when life will throw you unforeseen and inconvenient curveballs. This is why you need to be prepared for the unexpected, particularly when it comes to your finances. How do you prepare? What options are available?
Voluntary group disability policies specifically designed for federal employees to help cover everyday living expenses and pay the bills if you cannot work due to an accident or illness. This Disability Plan will pay you directly in addition to your sick/annual leave.
You can’t predict the future, but you can plan for it. We invite you to look into the critical illness plan. No matter if you suffer from a heart attack, cancer, or another major health condition you need to focus on your recovery. You. Can’t worry about your employment and how you will pay this month’s bills.
With Critical Illness Coverage for federal employees, you can choose the coverage amount you need based on your specific situation and financial need. If you are diagnosed with a covered illness, you will receive the cash benefits associated with the condition.
Accidents happen in places where you and your family spend the most time-at work , in the home or during sports and everyday fun activities.
Most major medical insurance don’t cover every medical expense, leaving you to pay out of pocket deductibles, office visit co-pays, rehabilitation, follow-up care, transportation and lodging costs.
Accident Insurance is designed to help cover the different stages of care, which can cover everything from initial care, surgeries, and treatment to hospital care, follow-up care that includes appliances, physical therapy and even prosthetics.
If you or one of your loved ones should pass away your lives could change in an instance. Not only will you all go through a period of grief, but the financial burdens would be overwhelming to say the least. This is very true if the deceased was the breadwinner of the home. By being prepared with life insurance, many financial issues will not be a factor.
Life insurance provides cash benefits to cover many of the expenses that are associated with the deceased death. There may even be enough to pay daily living expenses until everyone is able to get back on their feet.
The two most popular types of life insurance are Term and Whole life.
Offers insurance for a term (period of time) 10, 20 or 30 years usually. This type of insurance is not permanent. During the term the policy premiums will not increase. After the term has ended premiums will increase annually in some cases significantly. You can keep the same death benefit as long as payments are paid. This type of policy is recommended for younger persons with or without a family, or someone with a mortgage. The goal is for you get enough insurance to pay off the mortgage should you pass away prematurely. Cost of all insurance is bases on your age and health status when you apply for coverage.
If you are very young and in great health your premiums will be less costly, if you start a life insurance policy at an older age with health issues it will definitely cost more.
This type of policy is a permanent policy meaning there is no term. Once the policy is in force the premiums will never increase despite your age or health condition. It also has a cash value(savings) which means you can borrow from your policy and still have a death benefit available if the insured should pass away. This type of policy is more costly because it has a cash value and it is a permanent plan.
This type of insurance will never have to be renegotiated or replaced once it is in force. It is better to purchase this type of insurance when you are in good health and like all insurance plans when you are a young adult.
If you are diagnosed with Cancer, how will you pay for what your health insurance won’t?
The risk of developing Cancer, unfortunately is very real.
Nearly everyone has experienced or knows someone who has experienced a Cancer diagnosis in their family.
The good news is cancer screening and cancer fighting technologies are so much better, but with advanced technology comes high costs. Unfortunately major medical insurance is a good start, but doesn’t cover all the direct and indirect expenses associated with the treatment of Cancer.
Features of Cancer insurance:
