248-765-3872

100 W. Big Beaver Rd. Suite 200 Troy, MI 48084                                                jerry@jtinsuresme.com

     JT ​Insures Me

   Insurance Agency

Voluntary Benefits



Voluntary benefits are offered by employers but are paid completely or mostly by employees through payroll deferral. Traditional voluntary benefits include life insurance, vision, dental, disability, cancer and critical illness insurance, and accident insurance. Some examples are listed below.



Accident Insurance 


Plans provide benefits to help with medical costs associated with accidental injuries. Help protect your hard-earned wages and savings with Personal Accident Insurance!


Personal Accident Insurance provides cash benefits, regardless of any other insurance the claimant may have.


• ambulance transportation

• surgery

• urgent care center or physician’s office visits

• emergency room

• tests & x-rays

• hospitalization

• certain equipment and devices

• rehabilitation therapy… and more


Such benefits often supplement a person’s health coverage and may help offset large deductibles or co-pays.

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Life Insurance

New to buying life insurance? Learn how it works and what you need to understand to choose your coverage.

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.

Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.

There are many varieties of life insurance. Some of the more common types are discussed below.

Term life insurance

Term life insurance is designed to provide financial protection for a specific period of time, such as 10 or 20 years. With traditional term insurance, the premium payment amount stays the same for the coverage period you select. After that period, policies may offer continued coverage, usually at a substantially higher premium payment rate. Term life insurance is generally less expensive than permanent life insurance.

Needs it helps meet: Term life insurance proceeds can be used to replace lost potential income during working years. This can provide a safety net for your beneficiaries and can also help ensure the family's financial goals will still be met—goals like paying off a mortgage, keeping a business running, and paying for college.

It's important to note that, although term life can be used to replace lost potential income, life insurance benefits are paid at one time in a lump sum, not in regular payments like paychecks.

Universal life insurance


Universal life insurance is a type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance, universal life insurance policies are flexible and may allow you to raise or lower your premium payment or coverage amounts throughout your lifetime. Additionally, due to its lifetime coverage, universal life typically has higher premium payments than term.

Needs it helps meet: Universal life insurance is most often used as part of a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another common use is long term income replacement, where the need extends beyond working years. Some universal life insurance product designs focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage.

Whole life insurance

Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premium payments than term life. Policy premium payments are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred over time.

Needs it helps meet: Whole life can be used as an estate planning tool to help preserve the wealth you plan to transfer to your beneficiaries.






 Health Insurance




​With all of the changes in the medical Insurance laws you probably have more questions now than ever, with the first being, how can I obtain health coverage that is affordable? The rules of the Affordable Care Act change every year and the penalty for not having medical insurance increases every year.  I will work with you to provide the proper amount of insurance to protect  you, your family, or your employees. I have found out over the years that having the right agent for your insurance needs is a must. If you are looking for health insurance in Michigan or if you need help with health insurance .gov.

 

You will experience the personalized service and knowledge that I can bring to  you, your family or your employees. I will work with you to find out if you qualify for a government subsidy through the marketplace which can help lower your health insurance rates.


Depending on your situation, your individual health insurance,or your family health insurance plans will vary. I will discuss your needs with you to determine the correct amount of insurance. As your agent, I'm trained to answer your questions and offer you solutions for your insurance needs. I can design a plan and customize your coverage, limits, and deductibles to save you money. I'll be glad to work with you to accommodate your insurance needs. 


Instead of spending your valuable time shopping multiple insurance companies, let me do the work for you. I will shop all the Insurance carriers and provide you with several competitive offers.

Medical insurance plans typically provide coverage for major medical services such as hospitalization, x-rays, lab work and emergency care. Let me tailor a program to meet your specific needs.There are times when individual medical coverage is needed only for a short period. If your situation leaves you without coverage, even for a short period of time, give me a call.


Dental insurance helps cover some of the costs associated with oral health care.  Services typically covered include check ups, cleanings, fillings, x-rays, extractions, and appliances.


Vision insurance provides eye-care services at lower costs through co-pays and discounts. Covered services generally include exams, lenses, frames and contact lenses. Vision correcting procedures such as LASIK are often available at discounted rates. I can find a plan that meets your needs.

                                                                                                                                                             


Hospital Recovery Insurance


Health plans provide benefits to help with medical costs during a hospital stay. Help offset large deductibles and co-pays with Hospital Recovery Insurance!


Hospital Recovery Insurance provides cash benefits, regardless of any other insurance the claimant may have, to assist in the recovery phase following an inpatient hospital stay.


Optional benefits include:

• Emergency Room & Ambulance Benefit

• Major Diagnostic Exam Benefit

• Rehabilitation Facility Benefit




Critical Illness

Surviving a critical illness, such as cancer, heart attack or stroke today is more likely than ever—but can come with financial costs and uncertainty. A critical illness policy can help alleviate those worries by paying a lump-sum benefit when you are first diagnosed with a covered illness or medical condition. The critical illness benefit can be used to cover your mortgage, monthly bills and living expenses, out-of-pocket medical costs or in whatever way best fits your needs.