Find out more information about  life & health Insurance coverage types.

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Life & Health Coverage Consideration

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

There are various different types of life insurance, with each differing in the amount of cover they provide as well as the amount they cost.

Life Insurance & Annuities

We have access to over 50 companies providing low cost term life insurance.

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Health Insurance

Our health plans cover you, when you need the coverage most, from Dental to Cancer and more.

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Disability Insurance

Help protect your paycheck. Get support for when an injury or illness occurs.

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Life Insurance & Annities

Life insurance is a protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

Annuities are a contract sold by an insurance company designed to provide payments to the holder at specified intervals, usually after retirement. The holder is taxed only when they start taking distributions or if they withdraw funds from the account. All annuities are tax-deferred, meaning that the earnings from investments in these accounts grow tax-deferred until withdrawal. Annuity earnings are also tax-deferred so they cannot be withdrawn without penalty until a certain specified age. Fixed annuities guarantee a certain payment amount, while variable annuities do not, but do have the potential for greater returns.

Term Life InsuranceCoverage $100,000 @ $7 month

Term life insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

  • Coverage starting at $100,000
  • Low monthly cost
  • Convertible to whole or universal life policies that accumulate cash value.
  • Peace of mind

Universal Life InsuranceBuilds Cash Value

Universal Life insurance is a permanent policy that allows you the flexibility to customize the coverage and premiums that meet your needs. A Universal Life insurance policy changes along with your life. This flexible policy lets you raise or lower your coverage-and your premiums-to fit your needs. It even builds cash value you can use during your lifetime.

  • Loans
  • Withdrawals
  • Collateral assignments
  • Builds cash value over time

AnnuitiesRetirement Planning

A contract sold by an insurance company designed to provide payments to the holder at specified intervals, usually after retirement. The holder is taxed only when they start taking distributions or if they withdraw funds from the account. All annuities are tax-deferred, meaning that the earnings from investments in these accounts grow tax-deferred until withdrawal. Annuity earnings are also tax-deferred so they cannot be withdrawn without penalty until a certain specified age. Fixed annuities guarantee a certain payment amount, while variable annuities do not, but do have the potential for greater returns.

  • Deferred variable annuities have funds that may have the potential for investment growth.
  • Deferred fixed annuities offer a guaranteed3 rate of return for a number of years.
  • Deferred income annuities are fixed income annuities that have a deferral period before income payments start.
  • Immediate variable income annuities offer an immediate income stream with growth potential.
  • Immediate fixed income annuities offer a guaranteed3 predictable payment for life, or for a certain period of time.

Health Insurance

Insurance against loss by illness or bodily injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder.

Health insurance can be directly purchased by an individual, or it may be provided through an employer. Medicare and Medicaid are programs which provide health insurance to elderly, disabled, or un-insured individuals.

Dental

Are you prepared for unexpected dental expenses? You may have health insurance, but most plans don’t cover dental procedures. In addition, dental insurance provides benefits for regular dental appointments. These routine visits can help your dentist diagnose oral health problems early, when treatment is likely to be simpler and more affordable.
With dental insurance, you can help protect both your health and your budget. And that’s something to smile about.

Dental insurance can provide you and your family with benefits for routine and more costly dental procedures, including:.

  • Cleanings
  • Filings
  • Sealants
  • Crowns
  • Dentures

Critical Illness

A serious illness can have a huge impact on more than just your health – it can also hurt your finances. Would you have the money to protect all you’ve worked for if you were to have a heart attack, stroke or other critical illness?

You can use this benefit to help cover everyday living expenses or other costs related to your critical illness, such as home modifications, travel expenses and rehabilitation charges. You may receive additional benefits if you’re diagnosed with more than one critical illness.

Critical illness insurance complements your major medical coverage by providing a lump-sum benefit if you’re diagnosed with a covered critical illness, such as:

  • Heart attack (myocardial infarction)
  • End stage renal failure
  • Coronary artery bypass surgery
  • Stroke
  • Major organ transplant

Cancer

If you were diagnosed with cancer, would you be able to cover rising treatment costs? Medical insurance is a great help, but there can be numerous expenses that your health plan doesn’t cover, such as out-of-network treatments, home health care needs and experimental treatments. You’d also still have your regular, ongoing bills.

Our Cancer Insurance Plans can help offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover.

Our coverage provides benefits you can use to help with:

  • Loss of income
  • Child care
  • Lodging & meals
  • Deductibles & co-pays

Accident

When accidents happen, they’re often followed by a series of bills. Even with sound health insurance, you can still have out-of-pocket expenses, such as doctor bills, ambulance charges and emergency room fees.

Our accident insurance plans can help offset the unexpected medical expenses that may result from a fracture, dislocation or other covered accidental injury. Accidents Can Happen Anytime, Anywhere. You can’t prevent accidents from happening, but you can have a financial safety net in place in case they do.

Accident insurance policies can provide you with benefits for a wide range of situations, including:

  • Initial care
  • Surgery
  • Transportation & Lodging
  • Follow-up care

Hospital

If you have a hospital stay, it’s important to focus on your recovery – not your finances. That’s easier said than done when all you can think about are the costly co-payments, deductibles and other expenses that may be coming your way. Help with rising hospital costs by offsetting medical costs your insurance may not cover.

Our hospital confinement indemnity insurance provides a lump-sum benefit to help offset the costs that aren’t covered by most major medical plans. If you take the right steps, a hospital stay doesn’t have to impact your finances.

With this added financial protection, you may be eligible for benefits to help you cover expenses associated with:

Get an online quote today to see what discount you might be eligible for life & health insurance.

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Disability Insurance

With our disability plan, you can choose the amount of your disability benefits, subject to income.

You Can Use These Benefits to Help Cover:

Rent or mortgage payments

Will cover monthly rent or mortgage payments if you own a home.

Utilities

Will help cover utility bills, such as, gas, electric, and water.

Groceries

Will cover expenses for food and groceries.

Travel Expenses

Will help cover expenses to and from therapy and doctor visits.

Credit Card Bills

Will help cover credit card bills.

Other Living Expense

Will help cover other expenses like child care and car payments.

Getting A Term Life Insurance Quote

Quoting online with 1st Quality is quick & easy, just answer a few simple question, give us some information about your health & we will give you an accurate quote to consider.

The Insurance Quote Process

1.

Fill in information about you.

You will need to provide contact information and a few other things about you.

2.

Fill information about your health.

You will need to provide your height and weight. If you are a non-smoker or smoker, what type of tobacco product you use and if you are currently using them or have quit.

3.

Fill information about coverage desired.

You will need to provide the desired amount of coverage, type of coverage, term desired, and payment options.

4.

Optional rider if desired.

You have the option to add child rider, spouse rider, waiver of premium and accidental death benefit.

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What you will need to fill the quote online

Below are a list of items you will need to provide to get a term life insurance quote from us online. The more accurate the information is, the more accurate your quote will be.

Personal Information

You will need to provide information such as name, address, email address & phone number.

Health Information

You will need to provide your age, height & weight.

Coverage Desired

You will need to choose the term product you desire. Either guaranteed or non-guaranteed.

Smoker or Non-Smoker

Ever Used Tobacco

Have you ever used any tobacco products. If yes, you will need to provide the type or types of products used.

Advantage of 1st Quality Insurance Agents

Our agents are here for you to make sure that all of your insurance needs are met. We will go the extra mile to make sure you are completely satisfied with our services. Let us help you find the right coverage today.

Maximized Savings

Our agents will try to find you the best coverages possible, without compromising coverages.

Quality Coverage

With access to some of th best (A,A+) Rated Insurance Companies, we have you covered.

Claim Assistance

All claims are to be reported directly to the insurance company, however, our agents will assist you with your claim if the need arises.

Personal Support

Explaining your coverage

Our agents will take the time to explain any questions you may have about your coverages.

Finding discounts

When shopping your insurance, our agents will look to provide you with any eligible discounts.

Find a local 1st Quality insurance agent to assist you with all your insurance needs.

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Why choose 1st Quality Insurance Group?

We have over 25 years of insurance experience, local agents across 18 states and the ability to provide you a life and/or health quote fast.

  • Experienced licensed professionals.
  • Fast life & health insurance quote time.
  • Personalized friendly service.
  • Work with the highest (A) Rated Insurance Companies.
  • Local community presence.
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