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Life/Group Insurance

Call Gentzler & Smith Associates, Inc. to discuss all your Life/Group Insurance needs.

We can provide you with the following types of Life/Group Insurance:

   





Term Insurance - Term Life Insurance is 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.

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Whole Life Insurance - Whole Life Insurance is 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.

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Individual Health Insurance - Individual Health Insurance is a coverage in which the insurer agrees to reimburse the insured and others up to a certain limit for medical or funeral expenses as a result of bodily injury or death by accident. Payments are without regard to fault.

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Long Term Care Insurance - Long Term Care Insurance is coverage that, under specified conditions, provides skilled nursing, intermediate care, or custodial care for a patient (generally over age 65) in a nursing facility or his or her residence.

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Medicare Supplements - Medicare Supplements is a federal program for people 65 or older that pays part of the costs associated with hospitalization, surgery, doctors' bills, home health care, and skilled-nursing care.

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Annuities - Annuities Insurance is 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 a year of purchase.

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IRA's - Individual Retirement Account, or IRA's, are tax-deductible savings plan for those who are self-employed, or those whose earnings are below a certain level or whose employers do not offer retirement plans. Others may make limited contributions on a tax-deferred basis. The Roth IRA, a special kind of retirement account created in 1997, may offer greater tax benefits to certain individuals.

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Financial Services - Financial Services Insurance covers losses from specific financial transactions and guarantees that investors in debt instruments, such as municipal bonds, receive timely payment of principal and interest if there is a default. Raises the credit rating of debt to which the guarantee is attached. Investment bankers who sell asset-backed securities, securities backed by loan portfolios, use this insurance to enhance marketability.

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Group Insurance - Group Insurance is a single policy covering a group of individuals, usually employees of the same company or members of the same association and their dependents. Coverage occurs under a master policy issued to the employer or association. Group Insurance can include Group Life Insurance, Group Medical Insurance, Group Disability Insurance, Group Dental Insurance, and Group Vision Insurance.

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Supplemental Cancer Insurance - Supplemental cancer insurance covers the expenses your major medical plan doesn't cover, such as co-payments, deductibles and even your daily living expenses.

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Gentzler & Smith Associates, Inc. - Insurance & Financial Services
2533 South Queen Street | Olde Tollgate Village | P.O. Box 931 | York, PA 17405
Ph. 717-741-0965 or 800-237-7015 | Fax: 717-741-4720 | gsainc@gentzlersmith.com
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