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MARTIN AGENCY

Taking the Hell out of Health Insurance

At Martin Agency, we are committed to providing quality Health and Life Insurance services for all your needs. Depending on your requirements, we help you manage a wide range of risks and exposures. Our company was founded with a vision to provide health insurance solutions for individuals and businesses at the best price. Contact us today to schedule an appointment with one of our experts.

Life and Health Needs from Birth to Death

Finding you the best fit through a wide array of carriers available.

KJ Photo

MARTIN AGENCY

Taking the Hell out of Health Insurance

At Martin Agency, we are committed to providing quality Health and Life Insurance services for all your needs. Depending on your requirements, we help you manage a wide range of risks and exposures. Our company was founded with a vision to provide health insurance solutions for individuals and businesses at the best price. Contact us today to schedule an appointment with one of our experts.

Life and Health Needs from Birth to Death

Finding you the best fit through a wide array of carriers available.

At Martin Agency, we work to find the the most competitive price for your Health Insurance.
Whether you are between jobs, self-employed, student or work for a company that doesn’t offer a plan that meets you or your family’s needs, individual health insurance enables you to make sure you are covered for those unforeseen medical expenses.

Call Your Forever Agent, at (469) 899-3917 or Start your free quote.

INDIVIDUAL/FAMILY HEALTH INSURANCE

There are several affordable health plans available that are emerging and gaining in popularity in the market for Individuals and families. We will help you understand the coverage and cost differences between the different plans. We specialize in consulting with you to find just the right plan. Below are a few common terms used when picking a plan.

  • Indemnity (Fee-for-Service, or FFS) Plans: These medical plans offer the greatest flexibility in choosing your doctors. The limitation with Indemnity plans exists in the amount of the reimbursement that an insured party can receive to cover medical expenses. The medical expense reimbursement amount can range from a per day cost and set percentage to the actual costs of the medical expenses. Many of these are hybrids and are adjusting PPO and POS components.
  • Preferred Provider Organizations (PPOs): These plans contract with a network of hospitals and doctors who provide services at a negotiated rate. This means you have access to any PPO provider in the network, whether a primary care physician or specialist. PPO members can go to doctors or hospitals that are not in the network but may have to pay a higher cost for doing so. This is a great plan if you are looking for insurance that is both affordable and flexible.
  • Point of Service (POS) Plans: These medical plans are a combination of the PPO and HMO models. Like an HMO, there is a PCP providing referrals to in-network doctors. Like a PPO, you can see providers outside the network and pay more of the cost.
  • Short Term Plans: Short term plans tend to fall under the PPO umbrella but closely resemble a medical major plan in that they will have a deductible option and copay.
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GROUP INSURANCE

Your employees are one of your greatest investments. Health insurance is a critical factor in recruiting and retaining employees, as well as maintaining job satisfaction and productivity. We use top-rated insurance companies to help employers find cost-effective solutions to their group health insurance.

The Benefits for Employers
Providing a healthcare plan gives your business a strategic advantage by investing money in your employees which has shown to often result in better-performing workers, and lower absenteeism and health care costs. The welfare of employees has a direct impact on the success of the company.
There are many different types of insurance options you can select to cover you and your eligible dependents such as:

  • Health Insurance
    • Major medical plans
    • Indemnity options
    • Self funded/Level funded
  • Critical Illness (Heart attack/stroke and cancer)
  • Accident Insurance
  • Accident Disability
  • Gap Insurance*
  • Life
  • STD/LTD
  • Dental/Vision
  • 401K
  • HSA Plans

*Eliminates or greatly reduce your major medical deductible and co-insurance 

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SUPPLEMENTAL PLANS FOR INDIVIDUALS

We offer supplemental plans to cover your other life concerns.

  • Long Term Care
  • Annunity
  • Life
  • 401K's
  • Disability
  • Dental/Vision
  • Travel Insurance

LIFE INSURANCE

As your life changes so do life insurance policies change over time which makes it important that you review your existing plans every couple of years to determine if you need to adjust your plan to serve more of your needs.

We represent the top Life Insurance companies . We will work with you to find an affordable Life Insurance policy that works well now, as well as being here to help you make any adjustments as time passes.

Get a Quote Today, Call (469) 899-3917

There are three main types of life insurance: Term Life Insurance and Whole Life Insurance. Term Life Insurance is the easiest to understand and has the most affordable cost. Did you know there's a new kind of life insurance that has living benefits? Insurance you can use while your living!

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Universal Life

It’s permanent life insurance option with lots of flexibility built in with the two most popular types are fixed and indexed:

  • you can adjust the face amount of your policy, and the premiums you pay
  • build cash value without paying current income taxes on the increases and you can potentially access the funds using tax-free loans and withdrawals.
  • flexibility allows you to stop paying premiums if there is enough accumulated value in your policy to cover the cost of insurance each month. (You can then pay additional premiums to build back up accumulated cash value)
  • Depending on the carrier, you may increase or decrease your death benefit depending on your life insurance needs. An increase may require additional underwriting.
  • Fixed Universal Life – interest rate is declared by the company Indexed Universal Life – interest is based on the changes in value of a major market index

Whole Life Insurance Basics:

  •  Exactly like it says – permanent, not for a specific period.
  •  Protection carries with you, your whole life.
  •  Can build equity and have cash value.
  •  Higher premiums than term life but can be more valuable in the long run.

Contact us today at (469) 899-3917 to get expert advice about which Life Insurance plan is best for you. Or start your low-cost Individual Life Insurance Quote online now.

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Get Your Quote Now!

Martin Insurance proudly serves AL, CA, CO, GA, FL, LA, MO, MS, NC, ND, OK, SD, TX

kj@yourforeveragent.co

(469) 899-3917

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YOUR FOREVER AGENT

Kimberly (KJ) Martin

kj@yourforeveragent.co

(469) 899-3917

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