Life & Health


Should I buy term insurance or a permanent type of life insurance policy such as whole life or universal life? What benefit period should I request for my long-term care policy? Should I purchase a single pay or continuous pay type of policy? We represent over 25 of the premier, top-rated insurance carriers who are long-time specialists in these lines of coverage. Our highly experienced account executives will guide you through the process of selecting the right carrier and product for your particular needs.

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Life Insurance Policy Types

Term Insurance:

Premiums stay level for 10, 15, 20, 25 or 30 years (“guarantee period”) depending on the length of your life insurance needs. Term insurance provides short-to-mid range solutions and provides a death benefit with no cash value accumulation. When the term policy completes its final year of the “guarantee period,” the policy either terminates or the premium increases substantially. Choosing the right “guarantee period” is paramount to avoid having the policy terminate or become unaffordable while the need for death benefit still exists.

Permanent Life Insurance:

Whole Life:

A traditional long-term life insurance solution. Policies generally develop sizable cash values in later years. Premiums are fixed and policies contain guaranteed minimum cash values and death benefit features. Projections estimate higher accumulation values although they are not guaranteed. Death benefits are usually income tax free.

Universal Life Insurance:

A lower cost solution for a permanent life insurance policy. Premiums are flexible and can be changed within a minimum and maximum range, to adapt to your changing personal and business needs. The policy cash values in excess of your accumulative payments are tax deferred, while death benefits are typically income tax free.

Variable Life Insurance:

A permanent life policy with an investment component. A portion of your premium can be used to invest in a variety of investment vehicles allowing stock and bond returns in a life policy. As a result, premiums are generally higher than a universal life policy. Advantages: the opportunity to earn higher returns and greater cash values than traditional life policies while maintaining a tax deferred status; Disadvantages: higher costs and more risk i.e., returns are not guaranteed beyond a minimum floor.

Long-Term Care and Disability

Long-Term Care*

Nursing home and home health care coverage also referred to as long term care.

Plan Features:

  • Provides a monthly benefit when you are unable to perform two or more activities of daily living (ADL’s); coverage is also triggered for mental impairment/dementia.
  • Policies are guaranteed renewable regardless of health conditions.
  • Lifetime benefit periods available.
  • Inflation rider automatically increases your monthly benefit each year to help you maintain the reimbursement level desired.
  • Significant discounts available when purchased by both spouses or partners.
  • Single & short payment options: Policies can be designed with a single payment and short pay option in addition to traditional payment methods.

*Features commonly offered by Yavitz Insurance Group; variations may be offered depending on coverage availability and your particular needs.

Disability Insurance*

Provides a monthly benefit when unable to work due to total and partial disability.

Disability Plan Features:

  • Benefits are paid for both accident and sickness.
  • Coverage is primary so you receive benefits even if your claim is job related, or you receive social security benefits.
  • Polices are guaranteed to renew regardless of health conditions.
  • Price lock – 65: Policies are available that guarantee your premium will not increase to age 65.
  • Own occupation rider: Eligible applicants can obtain a guarantee that if they cannot perform the regular and material duties of their “own occupation”, they would be considered disabled, even if they have the ability to perform a different job.
  • Inflation/cost of living rider: Automatically increases your policy limit to keep your benefit limit more in line with your needs.

*Features commonly offered by Yavitz Insurance Group; variations may be offered depending on coverage availability and your particular needs.

Individual Medical Insurance


Major medical plans are available through carriers such as Anthem Blue Cross Blue Shield, GHP, and United Healthcare (Golden rule). Maternity benefits are optional.

Additional Plans

  • HSA (health savings account)
  • Affordable value plans
  • Medicare Supplement/Drug cards

Policies are custom designed to fulfill your family or business objectives.

Our Carriers

We partner with premier insurance carriers for Life, Health, Long-Term Care and Disability coverage:

  • Aetna
  • Humana
  • AXA Equitable Life
  • Met Life
  • Banner
  • Genworth
  • Transamerica
  • Savings Bank Life
  • Anthem Blue Cross B/S
  • GHP — Coventry
  • United HealthCare
  • American General
  • ING Companies
  • Guardian
  • Prudential
  • Great West
  • Protective
  • West Coast
  • United of Omaha
  • John Alden
  • Provident
  • Lincoln Benefits
  • Nationwide
  • Principal Financial
  • John Hancock
Were you a smoker when you purchased your life insurance policy? Have you quit smoking for at least one year? If so, you may be able to obtain a significant rate reduction by requesting a class adjustment to non-smoker or replacing your policy if you are healthy.