Health & Financial Services

If you're one of the many who are not insured or under-insured, then an individual and family health insurance plan may be the answer to your health insurance needs.

Individual and family health insurance is health coverage specifically tailored to those not covered by employer groups or organizations. A broad selection of individual and family health insurance plans is available. Less expensive plans may provide coverage in case of a major accident or illness, while other plans may provide comprehensive coverage for all your healthcare needs.

Group Health

At Trimboli Insurance Agency, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

With the changing face of health insurance in today's market, we at Trimboli Insurance Agency are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.

We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.

Individual Disability

Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only fourty three percent of large companies provide group long term disability insurance.

Your chances are even less likely to get long term disability insurance if you work for a small company. The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy and often you can get coverage automatically without having to qualify medically. If your employer doesn't provide disability insurance then you may want to consider an individual disability policy.
Or, you may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

Individual Health

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families. Trimboli Insurance Agency offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agency, Trimboli Insurance Agency can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.

Individual Life

Life insurance from Trimboli Insurance Agency can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:

Term Life

Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.

Universal Life

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments - i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.

Whole Life

Whole Life Insurance provides permanent protection for the whole of life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever cancelled.

Other Life Insurance

Other Life Products for estate preservation or survivorship purposes are also available - i.e. life insurance benefits to cover federal estate taxes.

These products are continually changing and we can provide you with the latest information and policies available!

Life Insurance Discounts:

• Save up to 21% by insuring your auto, home, and life with us.

Key Person Coverage

Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.

Mortgage Protection Plans

Mortgage Protection Insurance has been designed to overcome the consequences of unemployment and disability enabling you to still meet your mortgage repayments. Imagine that you are made redundant or you have an accident that leaves you unable to work for a period of time – would you be able to afford your monthly mortgage repayments? If you only have State benefits to rely on, you will find it tough to cope financially.

However, if you have a mortgage protection insurance policy, your mortgage repayments will be met (up to a pre-agreed limit) each and every month, for up to twelve months. This gives you breathing space to find another job, or , if you have had an accident or have not been able to work due to sickness, time to concentrate on getting better.