Both health and life insurance are essential to healthy finances. At some point in our lives, you will get sick. Even if you are relatively healthy now, unexpected illness or injury can happen and hurt your finances. Health insurance covers those costly medical bills.
Health insurance also keeps you healthy by paying for preventative care. Keeping up to date on your doctor visits can catch health conditions early before they progress for the worse. If you do get a chronic disease like high blood pressure, health insurance helps take care of the expenses that come with prescription medications and doctor visits.
A health insurance plan will keep your finances in check.
Life insurance is your secret weapon when it comes to preparing for retirement and beyond. Life insurance takes care of your debt when you pass on. Your life insurance plan will pay for funeral cost so your family does not have to worry about that at any time during the mourning process.
Most people do not know that you can use cash benefits of life insurance to help fund your retirement. The two main types of life insurance are term life and permanent life. Term life insurance provides protection for a certain period of time (e.g., 10, 20 or 30 years) and it is typically used to provide for some final expenses and income replacement for your dependents. Permanent life insurance is a complex financial tool with many variations. Permanent life insurance offers a long-term savings or investment component along with the death benefits.
Having both health insurance and life insurance is a no brainer. Think about it as a piggy bank that helps pay for life’s most serious problems and events.
Insurance coverage can be overwhelming – confusing options, endless paperwork and tedious legalities.
Cosmo Insurance Agency makes it easy. Our team has mastered every detail of the insurance process and will walk you through the process to the end, so you can be 100% confident when signing on the dotted line.
Cosmo’s dedicated service doesn’t end with the selection and signing of your policy. Whether its healthcare, life insurance, long term care, vision, dental, or disability, Cosmo Insurance Agency will be there every step of the way. Our staff maintains close contact and is always only a quick phone call away for questions or concerns relating to billing, provider issues, claims or reimbursements and your insurance renewal. Give us a call today!
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Visit our Locations:
15 America Ave., Suite 203, Lakewood, NJ 08701
2 University Plaza Dr., Suite 100, Hackensack, NJ 07601