Life and Health Benefits

Curneal Hignite Life Health and Benefits Insurance Services

Life/Health/Group Coverage – Let our highly experienced benefits team at Curneal & Hignite Insurance assist you with cost effective solutions that meet your individual needs as well as your company’s strategy.

We Offer:
Health
Life
Disability
Vision
Dental
Ancillary Products
Long Term Care

Companies We Represent (Partial List):
AFLAC, Allstate, Anthem BCBS, Banner Life, Bluegrass Family Health, Cincinnati Life, Delta Dental, Genworth, Guardian, Humana, HRI, Kentucky Health Cooperative, Lincoln Financial Group, Met Life, Principal Life

Employee Benefits

As business people, we are keenly aware of the rising cost of non-payroll employee costs. Let our highly experienced benefits team provide you with cost effective solutions that meet your company strategy in the areas of:

 

Health (Tradtional, PPO, HDHP, HSA, HRA)
Dental
Vision
Life (Employer sponsored, Voluntary, Dependent, Key Person, Buy/Sell)
Disability (Short & Long Term)
Ancillary Products ( Cancer, Medical Bridge, Critical Illness, & Others)
Non-qualified deferred compensation plans

Employee Benefits Curneal Hignite Insurance Elizabethtown KY
Health Insurance Curneal Hignite Insurance Elizabethtown KY

Health

Whether on a group or an individual basis, we work with the leading carriers in the health insurance industry to help secure the coverage you desire to assist in the payment of care for your employees, your family, or yourself. As one size does not fit all, we use creative approaches to identify plans that meet your personal, family, or business needs at an affordable price. While we are appointed to represent the carriers, we are hired by you! We are confident that you will value our commitment to personal “hands on” service to help you navigate the waters in this often times confusing type of coverage.

Life Insurance

Life Insurance can give you the financial peace of mind to know that you’ve protected important people or entities in your life in the case of an untimely death. Personal Life Insurance can provide income for your family, pay for the education of your children, pay off outstanding debts or pay for final expenses (such as a funeral, medical costs or estate taxes). Business related Life Insurance can be used to fund buy-sell agreements, provide key employee protection, or provide deferred compensation opportunities. Life Insurance purchased through employee benefits plans allows the employer to assist the survivors in paying for their loved one’s final expenses and provides the employee with the ability to purchase additional coverage on a payroll deducted basis most often on a guaranteed issue basis.

 

We represent many of America’s leading companies and offer both term and permanent product solutions. We would welcome the opportunity to assist you in obtaining financial peace of mind through the purchase of life insurance.

Life Insurance Curneal Hignite Insurance Elizabethtown KY
Dental Insurance Curneal Hignite Insurance Elizabethtown KY

Dental

Whether on a group or individual basis, we work with a number of carriers to help secure the coverage you desire to promote good dental health and to enhance overall personal health. We have plans to fit almost every need and budget.

Disability

We buy health insurance to protect us against a medical loss. We buy property insurance to protect us against a loss involving our home, our car, or our business. But what can we do to protect our incomes when we are not able to work due to an illness or injury? The answer, of course, is Disability Insurance. We work with many of America’s leading companies to help you find a solution that meets your needs whether it be on an individual or group related basis.

Disability Insurance Curneal Hignite Insurance Elizabethtown KY
Medicare Supplements Curneal Hignite Insurance Elizabethtown KY

Medicare Supplements & Long Term Care

As we age, the greater the likelihood that more of our assets will be utilized to pay for health related costs. Despite having Medicare to pay for a majority of a retiree’s medical bills, it does not pay for everything and pays nothing for most long term care situations. As such, we recommend purchasing an affordable Medicare Supplement to help offset costs not covered by Medicare for non-long term care related matters.

 

To help protect against the costs associated with a nursing home, home health, or assisted living arrangement, we also recommend that you explore the purchase of a long term care policy. The Federal Government currently estimates that each individual has a 70% chance of needing long term care in their lifetime. While not all long term care will be nursing home related, the average length of stay in a nursing home is 2.5 years! Let us help you protect your life savings through these two important planning tools for the golden years of life.

SEE HOW CURNEAL HIGNITE CAN BEST COVER YOU

Fast & comparative rates are right here. Need help? Call us at (270) 737-2828.

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