Individual Insurance Coverage

Individual plans meet the needs of you and/ or your family to protect you against overwhelming medical costs, loss of life, loss of your ability to earn an income, or to protect you agianst staggering costs of long term care. These plans are purchased by you, the individual, rather than through your employer.

Medical Insurance

None of us plans to get pneumonia, break a bone, or need surgery, but it happens. When it does, make sure that you have the medical coverage that you need. With plan designs, deductible options, copay options, and prescription benefit options, we can match the medical coverage to your needs. Click here to fill out Individual Quotation form.

Life Insurance

Of course, we all plan to live long and productive lives, happy to be realizing our long term goals. Unfortunately, our plans don’t always work out the way we expected. Life insurance helps to protect your loved ones from a premature loss of life. Whether it is term, whole, variable, or universal life coverage, GHG can position you with an insurance product that meets your objectives. Click here to fill out Term Life Quotation form.

Long Term Care

Until we have some direct experience in caring for someone who needs home health care, assisted living, or nursing home care, we don’t really think about who pays the cost for these services. Somehow, we just assume that it is covered. Although long term care insurance provides for coverage of these services, it really affords us “choice” – the comfort in knowing that you have a choice about where and how these services will be received. We can help you evaluate if this is a risk that you want to protect and insure. Click here to fill out Long Term Care Quotation form.

Short-Term Medical

If you find yourself in need of medical coverage while you are in between jobs, a recent college graduate, a person no longer covered on your parent’s policy, or waiting while you complete your “waiting period” at your new job, then you’re a candidate for short term coverage. Given the laws governing continuous coverage and pre-existing conditions, this is a very affordable way to protect yourself and to maintain continuous coverage. Click here to fill out Short Term Medical form.

Disability

We insure our homes, our autos, our health, and our lives, but the one thing that makes these all possible we often don’t protect – our income. If you were injured to the extent that you were no longer able to work, how would you provide for your family? Disability insurance replaces a portion of the income that you’ve lost. We can help you determine your need for disability insurance. Click here to fill out Disability Quotation form.

International Medical Insurance

If you are traveling abroad or have friends and family visiting here from abroad, you might want to look into international travel coverage to make sure you have the coverage you could need. Click here to fill out a Travel Quotation form.