Add-Ons

Add-Ons

Dental And Vision Insurance

Dental Insurance is an insurance coverage for individuals to protect them against dental costs. It insures against the expense of treatment and care of dental disease and accident to teeth. Plans generally cover some or all of the costs for oral exams, cleanings, fillings and x-rays.

Hospital Indemnity

Hospital Indemnity plans compliment your current Medicare/Individual health plan. These plans provide lump sum benefits for hospital confinement, outpatient surgery, and accidental injury or sickness. A Hospital Cash Plan is a hospital indemnity plan – which means it pays a set amount if you’re confined in a hospital. The benefits are paid directly to you or your designee.

Critical Illness

What Will You Count On When Tragedy Hits?

Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.

The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed. The survival period used varies from company to company, however, 14 days is the most typical survival period used.

The contract terms contain specific rules that define when a diagnosis of a critical illness is considered valid. It may state that the diagnosis need be made by a physician who specializes in that illness or condition, or it may name specific tests, e.g. EKG changes of a myocardial infarction, that confirm the diagnosis.

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Phone : + 1 (716) 633.1331

Email : info@thefinancialguys.com

Location

305 Spindrift Drive.,
Williamsville, NY 14221

345 Winton Place,
Suite 119
Rochester, NY 14623

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HAVE QUESTIONS?
Contact Us

Phone : + 1 (716) 633.1331

Email : info@thefinancialguys.com

Location

305 Spindrift Drive.,
Williamsville, NY 14221

345 Winton Place,
Suite 119
Rochester, NY 14623