We are in a new market with health insurance today. With the changes in coverage and rates that the Affordable Care Act has brought. It has become crucial to be able to have all the options that are available in the market place. In order to achieve this; we have contracts with all the major medical insurance companies. By doing this we can offer you the best coverage at the best rate for your area. And you only have to look one place; here at American Affinity Group!
Life Insurance is a very personal but yet very necessary product. Everyone knows they need it but not everyone knows they can afford it. This is why we contract with all the companies that are A rated and have the most competitive rates for the products they offer. Through these various carriers we can actually offer term insurance up to $350K without any physical or lab work needed, just an application! So whether you are looking for Term Life, Universal Life or Whole Life we are certain we can find you the best rate for the policy you are looking for. And you only have to look one place; here at American Affinity Group!
Critical Illness Insurance
Critical Illness Insurance is a very unique product that unfortunately not many Americans know about. Critical Illness is a living benefit which means if you are diagnosed with a covered illness such as heart attack, stroke or cancer; you will receive a lump sum cash payment paid directly to you! Major Medical Health insurance will pay your medical bills but after your deductible, co-insurance and time off work; many Americans find themselves financially broke and in 50% of these cases bankrupt! We are one of the nation’s leading advisors and distributors of Critical Illness Insurance and we carry all the best and most affordable carriers in the marketplace! Which means you only have to look one place; here at American Affinity Group!
Medicare parts A and B are a great way to help Americans over age 65, have access to affordable health care. However just Medicare parts A and B are not enough by themselves to cover all the medical cost that an individual will incur. In order to have full protection all seniors should always carry a Medicare Supplement and also have their coverage evaluated annually to insure that they are getting the best coverage at the best rate. Almost every year certain carriers will announce a new low rate in certain areas. For those who qualify these new low rates can save a lot of money. Because of these constant changes in carrier’s rates in different areas we make sure to contract with all of them. Which means you only have to look one place; here at American Affinity Group!
Mortgage Protection Insurance
Mortgage Protection is a term life product that allows you to choose the term period of insurance you will need based on your mortgage loan term. For example; you purchase a new home that cost $250K on a 30 year loan then you can purchase a mortgage protection plan with a face amount of $250K for 30 year term. This way if the bread winner or winners were to decease, the home can be paid for with the benefit from the mortgage protection plan. This way the surviving family members will still have a home to live in that is paid for! We can also provide this product with the most competitive rates due to our contracts with all the top carriers. Which means you only have to look one place; here at American Affinity Group!
There are many different annuities that are available throughout the market place. Many annuities are based on market value through stocks, bonds, mutual funds and some are a fixed rate. Annuities are very conservative way to create a IRA or Roth IRA for long term financial gains. We are not stock brokers and do not market any variable indexed products; we only market insurance backed fixed and indexed annuities. These are the most conservative products with the most consistent gains. Every American works extremely hard to save money for their future and we believe these products are the best vehicles to get you there! And like all of our products we have contracts with all the top A rated carriers that offer the most dependable and consistent annuity portfolios in the market! Which means you only have to look one place; here at American Affinity Group!
Final expense also known as burial insurance is a whole life policy designed mostly for ages 65 and up. These policies are generally competitively priced for benefit amounts from $5K to $25K. Final expense is a product that we will all need one day. This product will allow for pre-arranged funeral expenses and cover the cost so that family members can focus on the memories of a lifetime and not the decisions and cost of a funeral. We also have all the carriers that offer the most competitive pricing in the country! Which means you only have to look one place; here at American Affinity Group!
Disability insurance has saved many Americans from financial ruin by providing a monthly income in the event of being unable to perform their day to day work duties. There are several carriers that have this product available but there is only one that makes getting approved easier than the rest. We have a simplified issue disability product that is very easy to apply for without having to disclose financial documents or lab work. We also have this product available for groups as well! So you only have to look one place; here at American Affinity Group!