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If you have had health problems that may make your qualification for life insurance more difficult, we have the markets and experi
ence to find you the best offer. Don´t believe that answering a questionnaire on the internet will get you the lowest price for life insurance. The fact is that there is no substitute for having a discussion with an experienced agent who can search the market and negotiate the best offer for your specific situation.Health coverage continues to be one of the most expensive forms of insurance. This is due to the fact that even a short hospital stay can run tens of thousands of dollars. Group Medical coverage is usually the best option for most people. Elbert Insurance represents all of the top health insurers in northeast Georgia. Blue Cross, United Health Care, Athens Area Health Plan, Assurant Health, and Principal Mutual are just a few of the companies we represent. Individual health is the only option for some people. We represent these same carriers with numerous plan options to choose for individual health.Short term health coverage is designed for people in between jobs, students who cannot stay on their parent´s group policy, people waiting for a new group policy to start, or a more reasonable price alternative to taking COBRA coverage. Elbert Insurance has been selling this product with Blue Cross, Assurant Health, and several other carriers for over thirty years.Disability Income Insurance is a form of health coverage that is overlooked. You insure all the property items that you have accumulated during your life. The ability to earn money and buy
things will stop if you suffer a health loss and are unable to work. Most people can only live out of their savings for a short time. Disability income coverage allows you to receive a tax free pay check so that you can continue to pay your bills when you are unable to earn a paycheck. Long term care insurance helps pay for the cost of home health care, assisted living, or even a nursing home. It can lift the burden from your family to care for you, as well as protect your savings from being eroded. This product is becoming more important as people live longer in life. We represent Met Life, John Hancock, Auto Owners, and many other leading companies that provide this type of insurance.
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