Accident insurance is a complement to your short-term disability insurance, long-term disability insurance, and comprehensive health insurance. Accident insurance supplements both types of insurance and can provide an additional safety net if an accident occurs. Accidents are sudden and financially traumatic. An investment in accident insurance protects you and your family against additional financial trauma.

62% of all personal bankruptcies in the United States every year are as the result of a critical illness. Out of those bankruptcies, 78% of those filing for bankruptcy due to critical illness had comprehensive health insurance. Critical illness insurance protects your family financially in the event of a major health event, like a stroke or renal failure. A little bit of planning and an investment in critical illness insurance could save your family from catastrophe.

A hospital stay, even one that is brief, can leave you with potentially devastating hospital bills. With or without additional medical insurance, hospital bills can be an enormous financial burden. Hospital confinement indemnity insurance offsets the cost of hospital bills and allows you to recover without additional stress.

Coast to Coast Benefits works with trustworthy and reliable life insurance providers to offer whole, term, universal and Group Term life insurance products.

Whole

Whole life insurance provides you with stable rates for your entire life and a potential return on the cash value within your policy.

Term

Term life insurance grants you the greatest amount of coverage possible for the most affordable price. Term life insurance provides you protection for a period of time (10, 15, 20, or 30 years), chosen by you, to meet your needs.

Universal

Universal life insurance combines the peace of mind you need with the flexibility that you want. Just like whole life insurance, universal life insurance will last your entire life and potentially accumulate cash value. Unlike whole life insurance, universal life insurance allows for the adjustment of premiums and coverage amounts.

Group Term life

This version of life insurance can be employer or employee paid. This is a great way to offer Guarantee Issue Life insurance to your staff for pennies a week while they are employed for you.

Cancer and specified disease voluntary insurance products offer employees additional coverage in the event of a devastating illness. While comprehensive health insurance offers a set amount of assistance with cancer and medical bills, it will not cover the cost of your non-medical expenses. Specified disease insurance can cover over 20 additional illnesses include multiple sclerosis, polio, and smallpox.

Vision insurance is a very affordable and practical individual voluntary insurance benefit. Vision insurance is a must for those with eye care expenses and those who are particularly at risk for eye issues, including those with Diabetes and those with a family history of eye problems.

Voluntary dental insurance affords you a tremendous deal of freedom when selecting a participating dental provider and reduces the cost of treatment. Whether you need preventative dental care or more intensive dental solutions like braces or a dental implant, dental insurance can bridge the gap between the treatment you can afford and the treatment you need for a healthy smile.

Long-term care insurance guards you and your assets in the event that you need to be admitted to a long-term care facility, like a nursing home or assisted living facility. Long-term care planning is important at any stage of your career, especially if you have a growing family.

Legal insurance offsets the cost of working with a skilled lawyer for your legal issues, much like vision insurance offsets the cost of receiving an eye exam from an ophthalmologist. Legal insurance can guard you against the financial strain that ongoing or surprise legal issues can cause.

Living and working in the modern world means living and working around potential identity thieves every day online. Identity theft protection insurance provides you with security against identity theft and the cost of repairing your credit history in the event that your identity is stolen. Identity theft protection insurance is a must for everyone to protect against the major credit losses you could spend years recovering from otherwise.

Medical emergencies are very expensive. If you have the misfortune of experiencing a medical emergency without insurance, it is easy to find yourself with a crippling amount of medical debt, and seemingly no way out of the mess. We have partnered with one of the largest health insurance brokers in the nation to get you and your staff the best rates in the industry with the support of a full customer service team to ensure you and your staff get the most out of your health insurance benefits.

Workers Compensation

If you have W2 employees you are required to have workers compensation. When was the last time you shopped your Workers Compensation rates? We have been able to get recent “One Time Shock losses” removed from the underwriting process to get you the lowest rate possible. 

General Liability

By using our vast directory of Insurance Carriers, we are able to get your properties and business covered at some of the lowest rates possible.

Key Person Insurance

Do you have that one employee that you would be lost without? If a key person dies or contracts a severe illness under key person insurance, this policy can provide a business with working capital required to fund the recruitment or training of a replacement.

Buy/Sell Agreements

A buy/sell agreement is the practical result of comprehensive business succession planning. It is a legally binding document which protects the interests of a company’s owners and permits the business to continue to function efficiently in the event of the death, disability, or retirement of a business owner.