Epi-Digm(C) (prounounced epidaim) Insurance Agency is committed to offering quality choice products from the most secure financial service companies to provide the best financial solutions for each client's needs. Life Insurance with "Living Benefits" that allows you early access to up to 60% of your death benefit under certain medical conditions at no additional premium.
Your children's college funding, your retirement and wealth transfer planning consultation.
Your children's college funding, your retirement and wealth transfer planning consultation.
Services
Introducing Life Plus, an accelerated death benefit rider from Columbus Life, also known as a living benefit, that provides the flexibility of accessing the death benefit of a life insurance policy before the insured dies.
When diagnosed with certain pre-defined medical conditions, the policy owner can access up to 60% (or $250,000, whichever is smaller) of the policy's death benefit to fulfill his/her financial needs.
The rider is automatically included for residents in approved states at no additional cost.
When diagnosed with certain pre-defined medical conditions, the policy owner can access up to 60% (or $250,000, whichever is smaller) of the policy's death benefit to fulfill his/her financial needs.
The rider is automatically included for residents in approved states at no additional cost.
It's that simple!
An HMO requires you to choose a Primary Care Physician (PCP) from an Individual Practitioner Association (IPA) or Primary Medical Group (PMG) ( a clinic of doctors).
The doctor acts as a "Gatekeeper" and controls your access to other doctors.
You generally need to get a referral from your PCP to see a specialist.
HMO plans will have co-pays for most services and 100% coverage for many others.
Some lesser coverage HMO's have deductibles for hospitalization.
Access to providers is limited to the IPA or PMG.
An HMO requires you to choose a Primary Care Physician (PCP) from an Individual Practitioner Association (IPA) or Primary Medical Group (PMG) ( a clinic of doctors).
The doctor acts as a "Gatekeeper" and controls your access to other doctors.
You generally need to get a referral from your PCP to see a specialist.
HMO plans will have co-pays for most services and 100% coverage for many others.
Some lesser coverage HMO's have deductibles for hospitalization.
Access to providers is limited to the IPA or PMG.
We at Epi-Digm(C) believe that no one has to pay any more than they have to for their auto insurance premiums.
We work with Allied, The Hartford, Infinity, Progressive, Safeco, and Unitrin.
We also work with California Fair Plan for those of us with not-so-perfect driving records.
Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company, in accordance with a framework of regulations set by the government.
Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
We work with Allied, The Hartford, Infinity, Progressive, Safeco, and Unitrin.
We also work with California Fair Plan for those of us with not-so-perfect driving records.
Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company, in accordance with a framework of regulations set by the government.
Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
Commercial Insurance is a contract between an insurer and a business owner whose purpose is to minimize the owner's risks against losses, whether from weather, theft, vandalization, lawsuits, accidents or any other reason.
There is a cost for this "hedge, " which is referred to as a premium, so in essence, the potential for a greater (possibly devastating) loss is reduced to a smaller loss (the cost of the premium).
Business Property - covers the building or buildings and contents of the business.
There is a cost for this "hedge, " which is referred to as a premium, so in essence, the potential for a greater (possibly devastating) loss is reduced to a smaller loss (the cost of the premium).
Business Property - covers the building or buildings and contents of the business.
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