HEALTH  INSURANCE

In the US, most people in the workforce elect to receive health insurance coverage from their employer because traditionally employers have paid the entire cost or the majority of the expense for their employees as part of their benefit package. Unfortunately, in the last 20 years, the rising cost of health care has caused double digit increases in health insurance premiums.

Today, the increased insurance premiums employers pay are making it more and more difficult for them to deliver quality health care benefits at an affordable price. Reluctantly, employers have been forced to reduce benefits or move to consumer driven health plans that shift more of the cost to the employee.

In some cases, increases in health insurance premiums coupled with the poor US economy have forced companies to cut their health benefits entirely.

Now many individuals are forced to purchase their own health insurance policies.

Individual & Family Insurance

If you are one of those individuals that simply can't bear the increased cost of your employee contribution at work or have lost their coverage entirely, than the Sonnenberg Agency can help!

We have many options available to design a health insurance program to fit your individual needs and budget. Don't take the risk of being uninsured and exposing you and your family to unneeded financial risk.

All it takes is one medical emergency to wipe out your assets and lead you into long term debt.

A family or individual health insurance policy is more affordable than you think.

Small Group Insurance (2-50 employees)
& Large Group Insurance (51+)

Our agency can help you manage all aspects of your group benefit plan as well. We will help you design your companies benefit plan to provide the richest benefits at the lowest cost. We provide the following services to our employer groups:

• Marketing
• Enrollment
• Plan Administration - Adds, Deletes & Billing
• Customer Service
• Claims Resolution

LIFE  INSURANCE

Most of us understand the need for insuring the material things in our lives, yet many times we ignore the most important thing: ourselves. When we pass away the income we receive as a wage earner stops. How will you provide for your families needs in the event of your death? A life insurance policy can provide protection against the loss of income, accumulate money for a variety of financial concerns and provide funds for final expenses. We realize that as your life changes your life insurance needs may change as well. We can customize a plan to meet your needs whether you are 25 or 65 years of age. Our agents will discuss your needs and help you chose a policy that protects your loved ones, now and in the future.

Term Life Insurance

• Guaranteed level premiums
• Guaranteed level death benefit
• Coverage for a specified period of time
• Convertibility options
• Return of premium option
• Tax free death benefits
• Disability riders

Permanent Life Insurance

• Guaranteed level premiums
• Guaranteed level death benefit
• Flexible premiums & death benefits
• Cash accumulation - guaranteed & current interest rates
• Coverage for life

DISABILITY INSURANCE

What would happen to your family if you are unable to work? Could you pay everyday living expenses or save for larger expenses? Disability can be more disastrous financially than death. If you become disabled, you'll probably lose your ability to earn a living.

Household living expenses and potentially large out of pocket medical expenses will have to be paid. How will you manage? Let us help ease your mind and prepare you for the possibility of not being able to return to work.

We offer Short Term and Long Term disability policies to protect your families well being.

LTC INSURANCE
ASSET CARE

Many people are not aware that 68% of Americans that reach the age of 65 will need long term care! Illness, stroke or injury can strike at anytime. The consequences of not preparing properly for in home or nursing home care could seriously drain your hard earned assets or even eliminate them completely. Have you set money aside for your care should you need it? Whether you need to purchase traditional long term care insurance or find a way to maximize current assets to pay for future care, we can help. We offer unique solutions that can.

• Utilize qualified or non-qualified funds
• Have attractive tax advantages
• Maximize benefits
• Guarantee 100% of your initial funds
• Provide coverage for life

We offer an Asset Based Insurance product with a Long Term Care benefit with an option to help you plan in case of long term expenses and provide value if not. The cash you deposit is 100% liquid at any time with no surrender charges. Beneficiaries receive an income tax free legacy that is much greater than your original deposit.

Call and let us acquaint you with this valuable product!

OVER 65 PRODUCTS
MEDICARE & MEDICARE SUPPLEMENTS

Original Medicare, which includes Part A Hospital Insurance and Part B Medical Insurance pays for many, but not all, health-related services and medical supplies. You can purchase an insurance policy to cover the “gaps” that are not paid for by Medicare, such as copayments, coinsurance, and deductibles.

These can add up to a lot of out-of-pocket expenses, especially if you are hospitalized or need skilled nursing home services. Medicare Supplement Insurance is also commonly called Medigap, and meets minimum standards set by state and federal law. Prescriptions may be covered under the Supplemental policy you choose or we can guide to purchasing a Prescription Insurance policy.

Let us help you decide which supplemental policy will suit your needs best.

BUSINESS INSURANCE

We are Insurance Planners with many options available to help large and small businesses plan for the needs through your company. For employers and employees of small groups (50 employees or less) and large groups (51+ employees) based in Florida, the following health benefit plan options are available: HMO, PPO, Point of Service and Dual Option.

We also offer many additional products and services that are available to supplement health plan coverage.

ANNUITIES - RETIREMENT & SAVING

We offer both fixed and indexed annuities. Indexed annuituies are very popular in today's market because they offer you the upside of market conditions and protect you against risk of loss of principal and interest. Some of these products offer bonuses of up to 20% of your original deposit which can help you recuperate some of your market losses.

Please call for details, we are happy to serve you.