Since 1976 the professionals at Tober Associates have been providing health and life protection to individuals and businesses in the Washington DC metropolitan area. Tober Associates is a progressive, service-oriented agency, providing our policyholders answers for the unexpected. We are dedicated to providing our customers with a comprehensive array of innovative products, services and ideas to meet almost any situation.
As a truly independent agency, Tober Associates works for you. We know that our clients have diverse insurance needs. That's why we represent more than 50 of the finest insurance companies to satisfy those differences, at a price you can afford.
As a truly independent agency, Tober Associates works for you. We know that our clients have diverse insurance needs. That's why we represent more than 50 of the finest insurance companies to satisfy those differences, at a price you can afford.
Services
The professionals at Tober Associates understand an employer's challenge to provide competitive wages and benefits in today's demanding business environment.
For both large and small companies, our staff will take the time to analyze your current plan's strengths and weaknesses, and use the information to design a new program to meet both your needs and your budget.
We offer a wide selection of PPO, POS, and HMO options, and can combine two or more of these plans for even more personalized coverage.
For both large and small companies, our staff will take the time to analyze your current plan's strengths and weaknesses, and use the information to design a new program to meet both your needs and your budget.
We offer a wide selection of PPO, POS, and HMO options, and can combine two or more of these plans for even more personalized coverage.
COBRA insurance is currently utilized by many Americans.
It's an expensive option and there are time limits as to how long you can be enrolled.
COBRA is an option that should only be used if you have no other choice and desperately need health insurance.
You can save money by reducing monthly premiums and enroll in permanent individual health insurance.
It's an expensive option and there are time limits as to how long you can be enrolled.
COBRA is an option that should only be used if you have no other choice and desperately need health insurance.
You can save money by reducing monthly premiums and enroll in permanent individual health insurance.
Are you between jobs, waiting for employer group coverage, a recent graduate, a temporary or seasonal employee?
Perhaps another set of circumstances has left you without proper health insurance.
If so, you may know just how scary injury or illness can be without good health coverage.
For our clients that find themselves with gaps in their insurance coverage, we offer Temporary Medical Insurance from Assurant Health.
You can purchase coverage from 1 to 6 months.
Did you know that your domestic health insurance often offers little or no benefits for claims overseas?
Perhaps another set of circumstances has left you without proper health insurance.
If so, you may know just how scary injury or illness can be without good health coverage.
For our clients that find themselves with gaps in their insurance coverage, we offer Temporary Medical Insurance from Assurant Health.
You can purchase coverage from 1 to 6 months.
Did you know that your domestic health insurance often offers little or no benefits for claims overseas?
If you're like most people, you depend on your paycheck to pay your monthly living expenses.
I'll use my savings: If you saved 10% of your income each year, one year of total disability could wipe out 10 years of savings.
Can you afford that?
My spouse works: Can your spouse earn enough and be partner, parent, private nurse, and employee -all at the same time?
I can collect Social Security: You cannot collect benefits until the end of the fifth full calendar month of total disability and only if it is expected to last 12 months or more.
I'll use my savings: If you saved 10% of your income each year, one year of total disability could wipe out 10 years of savings.
Can you afford that?
My spouse works: Can your spouse earn enough and be partner, parent, private nurse, and employee -all at the same time?
I can collect Social Security: You cannot collect benefits until the end of the fifth full calendar month of total disability and only if it is expected to last 12 months or more.
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