Life & Health

Coverage for you, your family

Life Insurance

No one wants to think about what would happen if….. That’s what we are here for, to protect your family and your family’s financial future when the unthinkable happens. Let us take that worry away so you know that your family is secure no matter what happens.

We have staff well versed in all types of life insurance to guide you through the process and find the right coverage to meet any budget. We offer everything from term life, universal and indexed universal life, and whole life insurance.

Health Insurance

Health insurance is changing and we are here to help you. Billups Snyder & Associates has team members trained to help you get the protection you need that is within your budget. We offer a wide range of Major Medical plans and short term health insurance. We also can help you with special coverage’s such as; dental, vision, accident, cancer, and critical illness.

Our Coverages

We offer many different lines of coverage which include but are not limited to the following.

The oldest kind of cash value life insurance that combines protection against premature death with a savings account. Premiums are fixed and guaranteed and remain level throughout the policy’s lifetime.

A form of life insurance that covers the insured person for a certain period of time, the “term” that is specified in the policy. It pays a benefit to a designated beneficiary only when the insured dies within that specified period which can be one, five, 10 or even 20 years. Term life policies are renewable but premiums increase with age.

A flexible premium policy that combines protection against premature death with a type of savings vehicle, known as a cash value account, that typically earns a money market rate of interest. Death benefits can be changed during the life of the policy within limits, generally subject to a medical examination. Once funds accumulate in the cash value account, the premium can be paid at any time but the policy will lapse if there isn’t enough money to cover annual mortality charges and administrative costs.

A life insurance product that pays periodic income benefits for a specific period of time or over the course of the annuitant’s lifetime. There are two basic types of annuities: deferred and immediate. Deferred annuities allow assets to grow tax-deferred over time before being converted to payments to the annuitant. Immediate annuities allow payments to begin within about.

– Disability Income

-Long Term Care