At Circa Benefits Insurance Agency, we believe that most small businesses and families are underrepresented when it comes to their insurance needs. Small businesses need a broker who knows the Small Group Insurance Market, along with the complexities of Health Care Reform. They need someone to select plans and coverages that are affordable without stripping benefits from employees or neglecting exposures that can jeopardize a business owners' future.
Individuals and families also need appropriate protection, coverage that fits into their household budget and can let them sleep well at night. And both need a broker they won't outgrow. We believe we are that broker. At Circa Benefits Insurance Agency we take pride in our business and strive to be relationship specialists providing you with insurance solutions for your business and family.
Being insured with the best has its advantages. That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.
Individuals and families also need appropriate protection, coverage that fits into their household budget and can let them sleep well at night. And both need a broker they won't outgrow. We believe we are that broker. At Circa Benefits Insurance Agency we take pride in our business and strive to be relationship specialists providing you with insurance solutions for your business and family.
Being insured with the best has its advantages. That is just one of the reasons why the companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority.
Services
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Simply put, health insurance is a contract between you and your insurance company.
You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
However, it's not really that simple.
You need to consider what is right for your and our family, your out-of-pocket costs and your monthly premium.
Under the Affordable Care Act, plans available in the Marketplace (and most other plans) provide free preventive care, like vaccines, screenings, and check-ups.
They also cover some costs for prescription drugs.
You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
However, it's not really that simple.
You need to consider what is right for your and our family, your out-of-pocket costs and your monthly premium.
Under the Affordable Care Act, plans available in the Marketplace (and most other plans) provide free preventive care, like vaccines, screenings, and check-ups.
They also cover some costs for prescription drugs.
One reason for choosing a life insurance policy is to figure how much your dependents will need after you're gone.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
We believe that the better educated you are on insurance, the better you'll be able to make good decisions about insurance.
That's why we've created this resource section.
It's here to educate you on insurance and provide you with the resources you will need to select the right plan for you and to get the most out of the plans you purchase.
If there's anything you need or if you have any questions, please feel free to contact us.
That's why we've created this resource section.
It's here to educate you on insurance and provide you with the resources you will need to select the right plan for you and to get the most out of the plans you purchase.
If there's anything you need or if you have any questions, please feel free to contact us.
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