Life and Health Insurance Benefits in Prince Albert
Whether you are looking to invest in individual insurance, or if you want to purchase a group life and health plan, it’s essential to understand your coverage.
RAM Financial LTD’s specialists have been guiding clients through life and health insurance options for years. We have access to the very best rates in the area, as well as a wealth of information regarding the most comprehensive plans on the market today.
Get in touch with us now at (306) 244-7660 to set up a consultation. We are here to help you pick a plan that works for you.Call Now!
RAM Financial LTD’s Life Insurance Coverage Options
There are a variety of available life insurance plans on the market. The three most prominent are term life insurance, whole life insurance, and universal life insurance.
Term Life Insurance
Term life insurance is the easiest to access and most affordable option, and we offer it at a fixed rate for up to five years.
Whole Life Insurance
Whole life insurance is a more expensive option, but it never expires, meaning your coverage is guaranteed until your death.
Universal Life Insurance
Universal life insurance acts more like an investment and can thus be riskier than regular whole life insurance. In this sense, it’s best to use in combination with other types of retirement income or life insurance.
Discover Our Group Life Insurance Policies
If you are an employer, it may be a good idea to invest in group life insurance for your employees. Not only will your employees have peace of mind knowing that you’ve accounted for them, but you’ll also benefit from investing down the road.
Usually, group life insurance policies take the form of term insurance and are convertible to individual insurance plans should you leave your place of employment.
Group Health Insurance Coverage
Many employers will offer group health insurance plans to their employees. For the most part, your management will handle the details, but it’s essential to understand how you are covered.
Group health insurance policies are designed to protect you and your dependents in the case of emergencies, as well as routine medical checkups and tests.
We’ll go over the details of your group health insurance with you, such as:
- Benefits and specifications
- Riders and additions
- Copays and deductibles
- Doctors and hospitals you can access
- Claim submission process
- And more
Life and Health Insurance: Consultation and Claims
During our consultation process, we will help you to understand what each policy offers you, whether you are looking for individual life insurance coverage or if you have questions about your group plan.
What’s more, we make it easier than ever to both claim your insurance and receive payments.
Discover the Best Life and Health Insurance Options Today
At RAM Financial LTD, we understand the importance of having reliable coverage. We will guide you through the many available options and find you a plan that meets your needs, all while staying on budget.
Call us now at (306) 244-7660 to find out more.