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Life & Health Insurance

Linking Business and Personal Needs Together

 
Atchley & Associates Insurance Agency works with our clients to identify and insure their existing needs as well as prepare them for those unexpected events that could occur in the future. We are an advocate for our clients during the decision making process to ensure that a decision is made with confidence.
Life & Health Insurance
As Employee Benefits are concerned, a company’s most valuable asset is their employee. Our team will analyze your benefits package and offer solutions that could reduce the premiums paid, improve employee morale and boost productivity which will helps increase profits.

Personal Benefits:
  • Life
  • Health
  • Long Term Care
  • Short Term Disability & Long Term Disability
Employee Benefits:
  • Group Life
  • Group Health
  • Long Term Care
  • Short Term Disability and Long Term Disability
  • Property & Casualty for home, auto and umbrella

Long Term & Short Term Disability

Short Term Disability replaces lost salary when the insured misses six months or less of work and after all sick leave has been exhausted.
Long Term Disability typically replaces 60% of salary. Policies vary by definition of disability, percentage of salary paid and with duration of payments. These policies can be “own occupation” or “any occupation” policies. It is very important to know the differences between both policies.
 

Long Term Care

Long Term Care insurance typically covers health care at home, nursing homes or assisted living centers. Policies vary from amount paid, method paid (cash or reimbursement), duration of benefits and by definition of eligibility for claim.
 
Click here to get a quote for your Life & Health Insurance Policies.