Life & Health Insurance
Secure Your Future, Protect What Matters Most
Life is unpredictable, but your insurance shouldn’t be. At Central Virginia Insurance Agency, we’re here to help you protect your loved ones and your well-being. With customizable life and health insurance solutions, we ensure you’re prepared for life’s unexpected moments, giving you peace of mind every step of the way.
Life Insurance Options
Term Life Insurance
- Affordable Protection: Coverage for a specific time period (e.g., 10, 20, or 30 years).
- Purpose: Ideal for temporary needs such as covering a mortgage, college tuition, or income replacement.
Whole Life Insurance
- Lifelong Security: Coverage that lasts a lifetime, with fixed premiums.
- Investment Benefits: Accumulates cash value over time, which you can borrow or withdraw.
Final Expense Insurance
- Peace of Mind: Covers funeral and end-of-life expenses, ensuring your family isn’t burdened.
- Affordable Coverage: A smaller policy designed specifically for these needs.
Universal Life Insurance
- Flexible Premiums: Combines permanent life insurance with a savings component.
- Customizable: Adjust coverage and premiums as your needs change.
Health Insurance Options
Individual & Family Health Insurance Plans
- Comprehensive Coverage: Doctor visits, hospital stays, prescription drugs, and preventive care.
- Custom Plans: Tailored to meet your family’s specific health needs.
Supplemental Health Insurance
- Added Protection: Covers expenses not included in standard health insurance (e.g., dental, vision).
- Financial Support: Offers cash benefits to cover out-of-pocket medical expenses.
Medicare Plans
- Medicare Advantage Plans: All-in-one plans with hospital, medical, and prescription drug coverage.
- Medicare Supplement Plans: Fills gaps in Original Medicare for deductibles, copays, and coinsurance.
- Prescription Drug Coverage (Part D): Ensures your medications are affordable and accessible.
Critical Illness & Accident Insurance
- Financial Relief: Provides a lump-sum payout for critical illnesses like cancer, heart attack, or stroke.
- Accident Coverage: Helps cover medical expenses and lost wages due to unexpected injuries.
Why Choose Central Virginia Insurance Agency?
- Personalized Coverage: We take the time to understand your unique needs and craft a plan just for you.
- Trusted Guidance: With over 25 years of experience, we make complex insurance options simple to understand.
- Affordable Options: We work with top insurance providers to secure the best rates for your budget.
- Dedicated Support: Whether you’re reviewing plans or filing a claim, our team is here for you.
FAQs
How do I decide between term and whole life insurance?
Term life insurance is ideal for temporary needs, while whole life offers lifelong coverage and investment benefits.
Can I get health insurance if I have a pre-existing condition?
Yes, under the Affordable Care Act, insurers cannot deny coverage based on pre-existing conditions.
What’s the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage plans are all-in-one plans, while Supplement plans fill gaps in Original Medicare.
Protect Your
Future Today
Planning for life’s uncertainties doesn’t have to be stressful. Let Central Virginia Insurance Agency guide you in securing your family’s financial future and well-being.