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Insurance We Offer

Insurance We Offer

 

Insurance can offer protection and financial stability when unexpected events occur. Murray Insurance offers a wide range of different types of coverage that can suit most needs.

Individual Health

Individual and family plans offered include:

  • Health maintenance organization(HMO)
  • Preferred provider organization (PPO)
  • Exclusive provider organization (EPO)
  • Point of service (POS)

Final Expense Insurance

Peace of mind insurance to help cover final expenses such as funeral costs, credit card debt, and medical bills in the event of unexpected tragedy. Helps to ease the burden on surviving loved ones.

Group Health

Offering health insurance for employees may help businesses to avoid penalties and may even make businesses eligible for tax credits. Murray offers more than 40 choices under the BlueOptions family of plans to meet any business’s needs.

Health Savings Account

Medical savings account designed to supplement a high deductible insurance plan. Moneys deposited are not subject to federal income tax at the time of deposit. Unused funds may be rolled over to the next year or withdrawn, although fees and taxes may be assessed if withdrawn prior to retirement.

Short Term Medical

Short term medical insurance is ideal for people going through life changes such as a job change or college graduation. Premiums are generally lower than long term insurance plans and plans may range from 30 days to 6 months or 12 months.

Travel Medical

Provides protection when travelling overseas. Travel medical features include:

  • Emergency medical evacuation
  • Return of mortal remains
  • Return of minor children
  • Loss of checked luggage
  • Emergency dental

Medicare

Coverage for seniors age 65 and older and individuals with certain disabilities. Divided into four parts:

  • Part A-Hospital insurance
  • Part B-Medical insurance
  • Part C-Medicare insurance
  • Part D-Prescription drugs

Life Insurance

A death benefit is paid out to a beneficiary in the event of the policy holder’s demise. The two main types of life insurance are permanent and term life insurance, but there are many variations of each type to best suit policy holder needs. Additional riders are also available.

Long Term Care

Helps cover the cost of care for those that need assistance with activities of daily living (ADLs.) May help to cover costs of services such as home care, adult daycare, and hospice care.

Annuities

Act as retirement vehicles that can help to guarantee a monthly income for life after retirement. Money accumulates in an annuity on a cash deferred basis and is distributed monthly after retirement, or for a time period specified when the policy is selected.

Disability

Pays benefits to the policyholder in the event that illness or injury prevents the person from earning income.

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