FAMILY INSURANCE is a policy that will cover dad, mom and the kids.  All of the family members do not have to be on the same policy, BUT, it will save you money as for each policy there is a yearly policy  fee.  Family policies can be written on term plans as well as on Universal Life.  The family term plan usually will offer other coverages know as riders on the primary insured.  Some term plans do not offer riders on the other insured.  With the Universal Life plan that Bjorklund Insurance presents, in most cases there will be automatic coverage called Living Benefits.  The Living benefits will cover areas of chronic and critical care as well as the life insurance.  The Living benefits will be equal to the amount of insurance coverage on each member of the family.   Universal Life has other benfits such as retirement income and you may never have to purchase another Life Insurance policy as it will cover the primary insured as long as he or she lives. The other insured will be covered as long as the primary lives.  Most insurance companies have plans that will cover the other insured rider after the primary insured has died, many times with a lesser premium.  Children on the term family plan will usually be covered until age 23 and at that age will be offered their own insurance policy.

Bjorklund insurance Agency also offers a stand-a-lone disabiliity plan which covers all occupations with coverage starting with a 0 to 7 day  waiting period.  Each family has certain needs and goals as to what they want their insurance policy to say and do. More options are available to families that are in good health. GET INSURANCE WHEN YOU ARE HEALTHY, and you will get the policy you need and in most cases save yourself money.  We offer non-tobacco as well as a tobacco policy.  Normally the tobacco rate on most plans can cost as much as twice the amount of a non-tobacco rate.  Regardless of the insurance company you use, the tobacco rate is always much higher than non-tobacco.  However, if a tobacco user wants to quit tobacco use and is not using tobacco for at least one year (some two years) companies will offer a non-tobacco rate, again, saving many dollars on premium every year.

Lastly, you can modify your insurance plan to meet your needs and your budget.  Exams are required with most companies on individuals that are 15 years of age and more. There are some companies that don't require the exam.  Also, ask about Long Term Care.  Before any insurance policy is approved,  there is an application that asks questions about each person's health, also, may include personal history. This application is filled out by our agent with you being present.  Ask our agent about your insurance needs. MEDICARE AND MEDICAID INSURANCE PLANS ARE OFFERED MAINLY TO THOSE 65 YEARS AND OLDER.  BE SURE TO ASK YOUR AGENT ABOUT MEDICARE PLANS.

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