KSM Life & Health
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Insurance
OUR SERVICES
We’re Here To Help Your Family & Business at KSM Financial Services, we market and administrate insurance programs for the members of professional associations.
Dental or Health Coverage for ALL Ages.
Enroll in minutes Plans are independent of the health insurance marketplace and prices are the same for all within the same geographic location and age.
THINKING ABOUT STARTING TO SAVE FOR RETIREMENT? OR,
DO YOU HAVE MONEY THAT YOU DO NOT WANT TO OUTLIVE?
AN ANNUITY MAY BE THE BEST OPTION FOR YOU TO SECURE AN INCOME FOR AS LONG AS YOU LIVE GUARANTEED!
Annuities can be bought with either pre-tax or after-tax dollars. With a non-qualified annuity (purchased with after-tax dollars), only the earnings are taxed at the time of withdrawal, not the contributions, as they are after-tax money.
A qualified annuity has been purchased with pre-tax dollars. Qualified plans include 401(k) plans and 403(b) plans.
AFLAC PAYS YOU AS SOON AS THE NEXT DAY!
INDIVIDUAL AND GROUP POLICIES FOR ACCIDENTAL INJURY, DEATH OR DISMEMBERMENT, CANCER, CRITICAL ILLNESS, HOSPITALIZATION, AND MORE.
TURNING 65 AND QUALIFY FOR MEDICARE? DO YOU KNOW SOMEONE WHO IS TURNING 65?
We can help you qualify for a medicare advantage plan, prescription drug plan or supplement.
Your health care needs change throughout your lifetime.
Cigna offers a wide range of insurance plans and products that focus on
all aspects of your well-being—physical and emotional.
Why You Need
Life Insurance?
Life insurance provides financial protection for loved ones, covering expenses and income gaps in the event of an unexpected loss. Each type of policy offers unique benefits, depending on your financial goals, budget, and coverage needs.
Life Insurance- Whole Life, Term, IUL, GUL
Here’s a summary of Whole Life, Term, Indexed Universal Life (IUL), and Guaranteed Universal Life (GUL) insurance policies and why they are beneficial to consider:
What It Is: Whole Life is a type of permanent life insurance with coverage that lasts for your lifetime. It has a guaranteed death benefit, level premiums, and a cash value component that grows over time. The cash value can be borrowed against or withdrawn, typically after a certain period.
Why You Need It: Whole Life is ideal if you want a policy that never expires and offers stable, predictable growth in cash value. It provides a sense of security with lifelong coverage, which can also act as an asset or financial backup in emergencies.
What It Is: Term Life provides coverage for a specific period, such as 10, 20, or 30 years. It offers a death benefit only if you pass away during the term, and there is no cash value.
Why You Need It**: Term Life is affordable and great for covering needs during specific life stages, like paying off a mortgage or supporting dependents. It’s often a good choice for younger people or families seeking temporary, high-coverage protection at a lower cost.
What It Is: IUL is a form of permanent life insurance that builds cash value based on stock market index performance (like the S&P 500). It offers flexibility in premium payments and death benefits and usually includes a cap and floor on returns to balance growth potential and protection.
Why You Need It: IUL is suited for those seeking lifelong coverage with growth potential tied to the market.
It provides an opportunity for cash accumulation, tax-deferred, with more growth potential than traditional whole-life policies but with less risk than investing directly in the market.
What It Is: GUL combines the permanent coverage of whole life with the affordability of the term. It provides a guaranteed death benefit and can often be customised for specific term lengths or a lifetime but with limited cash value.
Why You Need It GUL is ideal if you want lifetime coverage without the higher costs of Whole Life or the variable cash value of IUL. It’s generally more affordable than Whole Life, providing stability in premiums and a reliable death benefit for those focused solely on long-term protection.
Our Reviews
Hear It From Our Clients: Discover Why They Trust KSM Life & Health for Unmatched Comfort and Reliability!
Frequently Asked Questions!
Got Questions? We’ve Got Answers!
Health insurance provides coverage for medical expenses, helping individuals manage the high costs of healthcare.
It’s essential because it reduces the financial burden in case of an illness, injury, or other medical needs. With health insurance, you’re covered for a range of services, from doctor visits and hospital stays to prescriptions and preventative care, ensuring you and your family have access to needed care without worrying about costs.
Most health insurance plans cover a wide range of healthcare services, including doctor visits, hospital stays, surgeries, lab tests, preventive care like vaccinations, and even prescription medications. Some plans also cover mental health services, maternity care, and emergency services. It’s always good to review the specific plan details to understand what is fully covered and any limitations.
A deductible is the amount you must pay out of pocket for healthcare services before your insurance starts covering costs. For example, if your plan has a $1,000 deductible, you would pay for the first $1,000 of services. After meeting your deductible, insurance typically covers the remaining costs, though you may still have copayments or coinsurance on certain services.
Start by assessing your family’s healthcare needs, including regular doctor visits, prescriptions, and any special care requirements. Compare plan options, considering the premium, deductible, out-of-pocket maximum, and covered services. If you have specific doctors or specialists, check if they’re included in the plan’s network. It can be helpful to work with an agent to understand your options and select the plan that fits your family’s needs and budget.