Osborn Insurance offers many kinds of insurance and financial planning for you and your family. We also offer Group insurance for your business needs.

Individual

  • Health
  • Life
  • Medicare Supplement
  • Prescription Drug Plans
  • Medicare Part D Plan
  • Supplemental
  • Long Term Care
  • Disability
  • Annuities

Business

  • Group Health
  • Group Life
  • Group Disability
  • Group Supplemental
  • Existing 401K Plans

We can help you with any of these insurance needs, do an online quote or review and compare your current policy. I'll be happy to answer any of your questions.

Click Here for an online quote.

Health Insurance

Something we all need to have. Once you develop an illness such as diabetes, it is too late to get an economical, cost effective plan. Health insurance can be somewhat expensive for the average person, but cost can be greatly reduced by choosing a high deductible plan that still offers great benefits, such as a prescription plan card, reasonable copays on doctor visits and dental insurance. Remember, it is of the utmost to acquire a good health insurance plan now while you're still healthy, in order to avoid high hospital bills in the future.

Whole Life Insurance

Life insurance is something everyone needs in order to provide for those we love on the occasion of our death. Whole life is the best way to go. In most cases, you can pay for it in twenty years or less. At this point, you'll own your policy and will not have to pay for the rest of your life. Whole life can also be used for investment purposes, as they accrue a cash value, which you can borrow from or redeem in the future. As with health insurance, whole life is more economical when purchased during good health and at a young age. Remember, your spouse, children or loved ones will benefit from your wise future planning.

Term Life Insurance

is insurance, not unlike whole life in its coverage, but does not accrue a cash value over a period of time, rather it's a type of coverage that lasts over a designated period of time. Terms range from 5 to 30 years, depending on an individual's needs. It is much cheaper than whole life, but again only lasts a certain term and then ends, while whole life is permanent. Term is good for someone who may be certain financial obligations over a period of time that would need to be fulfilled in the event of death, in order to prevent a financial burden on other family members. Whether you purchase a whole life or a term insurance product, both are a necessity for the security of your family and business.

Medicare Supplement

For people turning 65, this is a necessity. The supplement policy along with Medicare will basically save you from having any "out of pocket" costs or copayments, except for prescription costs. Medicare, along with supplement or fee-for-service plans and a prescription drug plan, is a nice relief from the high costs of health insurance.

Fee-for-Service Plan

This is the new plan that was created by the Center for medicare & Medicaid Services as an alternative to traditional Medicare plans. In many cases, these plans may save you money over the traditional Medicare Supplement plans. The Fee-for-Service Plan can be good for people under 65 who are on disability and have Medicare Part A & B. It is also good for people who are over 65 and a half with health problems, as well as for people who have no supplemental policy at all. A Fee-for-Service Plan can have a no plan premium beyond your monthly Medicare payment.

Medicare Part D Prescription Plan

The new prescription drug plan is a necessity to everyone over 65 as a good complement to the Supplement and Fee-for-Service Plans. There are many different prescription plans to choose from, and it can be very confusing. There are plans set up for people who take only one prescription, as well as others for those who take many. There is a plan out there for everyone.

Long Term Care

This insurance some may deem as a waste of money. But one thing to consider is that over half of our senior citizens will be admitted to a nursing facility or need some type of home health care. Most of these plans are very flexible, so maintaining a lower premium is not too difficult. Unless you prefer to use a large chunk of your retirement to pay an average of $110/day in a nursing home or $60/day for a home nurse, you might well consider the option of Long Term Care for yourself or your parents.

Supplemental Insurance

If you have health insurance with a high deductible or no health insurance at all, a supplemental plan could prove to be invaluable. You can choose such policies as Cancer, Heart Attack/Stroke and Accident. For example, if you develop cancer and need treatment such as chemotherapy and radiation, a Supplemental Cancer Policy would provide supplemental income, payable directly to you. When you get sick and can't work, the bills don't stop coming. Many times they increase. Supplemental Insurance can directly address this particular need.

Disability

Many people worry about being injured or getting sick and not being able to work. Long Term Disability Insurance is an excellent way to pay your bills if you become disabled and can't work. It allows you to recuperate two thirds of your working income until age 65. Once again, the bills won't stop coming just because you are no longer working.

Annuity

An Annuity is a contract sold by insurance companies to provide retirement savings. Fixed and Indexed annuities are great for people who are retiring and want to invest their money in a safe investment vehicle with guarantees. Unlike CDs, which are taxed annually, fixed annuities are tax-deferred. This means money that is generally taxed on an annual basis will be deferred, while accumulating interest until withdrawal. There are many kinds of fixed annuities, which provide a low to medium yield. This is a good option for people who no longer want to place their money in risky investments. Annuities can provide a safe haven for your retirement money while providing you with a monthly income and significant tax relief.

Group Insurance Plans

Group Insurance is something that every business must consider. When an employee lokks for a job, one of the first things he or she considers, are the benefits that complement the salary. Group benefits are an excellent way to keep good employees working hard for you, thus making your business much more viable and successful. Group insurance also provides the employer with additional tax breaks. Business insurance, along with a 401K plan, are excellent ways to keep your employees content and working hard for you.