Health & Life Insurance

Health Insurance

Health Insurance not only provides you with protection from an unexpected accident or health issue, but it also provides you with the peace of mind that an injury would not put you at risk for a major financial loss. Recent healthcare reform may have you confused, and you are not the only one. At Remland Insurance, we are available to answer any of your health insurance questions and find a policy that will best suit your needs.

General health insurance policies provide coverage for:

• Doctors Visits
• Prescriptions
• Medical Testing
• Specialized Care
• Surgical Procedures

Choosing the right health insurance coverage can be an overwhelming task. An experienced agent at Remland Insurance can work with you to create a policy that best suits your lifestyle and needs. We offer two types of health care coverage and can help you decide which is best for your particular financial needs.

Indemnity Plans (or Fee-for Services Plan)

• Cafeteria/Flexible Spending Plans
• Indemnity Health Plans
• Basic & Essential Health Plans
• High Deductible Health Plans (HDHP)
• Health Savings Accounts (HSA)

Managed Care Plan

• Health Maintenance Organizations (HMOs)
• Preferred Provider Organizations (PPO)

Life Insurance

Planning for the future can be overwhelming and frightening and that is why Remland Insurance plans to guide you each step of the way. Our years of experience allow us to streamline the process of choosing a customized life insurance policy based on your unique needs. One of our independent agents will also determine whether or not your situation makes you best suitable for term life insurance or a permanent life insurance policy.

Term Life Insurance:

• Coverage for a specific term or period of time
• Lower premiums for higher coverage
• Rates can change after the term expires
• No equity – cannot be used as cash value

Whole (Permanent) Life Insurance:

• Permanent coverage rather than coverage for a select period of time
• Protection that follows you throughout your life
• Equity & Cash Value
• Higher premiums, but more valuable in the long run

Term & Whole Life Insurance Combined:

• Builds lifelong base of whole life coverage
• Supplement specific times within the term life insurance period

Contact Remland Insurance today to meet with an experienced agent who can determine which type of life insurance policy best suits your needs.