We bring you the best possible solutions for your life.
WHG offers group and individual health options. It is important to make an educated decision. WHG can help you navigate the Marketplace, apply for tax credits and choose a health plan that fits your individual or business needs. WHG also provides dental and vision plans.
We work with many reputable companies to provide the best fit for you and provide peace of mind when you need it most. WHG will help you understand how your plan works and make sure your doctors and hospitals are in-network if necessary.
WHG can also help fill the gap between group plans, should you have to satisfy a waiting period on a group plan or find yourself between jobs. Short-term health plans are quick, easy, and affordable. Short-term plans can become effective as soon as the day after application and last up to a year. (They are not meant to replace permanent health insurance.)
Life Insurance is one of the most important purchases you will ever make. It is easy to put life insurance on the back burner, but in the event of a tragedy, tax income-free life insurance can help pay bills, finance your children’s education, protect your savings, pay your final expenses, and more. It is peace of mind knowing your loved ones will be taken care of when you are gone.
Life Insurance usually falls within two categories: term insurance and permanent insurance (Whole Life). WHG offers life insurance from several companies including Cincinnati Life Insurance, and Auto-Owners Life Insurance. Additionally, Universal, Whole, Term Children’s, and Simplified Issue policies are all available with WHG. Our companies are A+ rated with A.M. Best to protect your future.
Term Life Insurance is insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time. This means Term Insurance is a great way to protect short-term needs like mortgages or college expenses. Several companies also offer Return of Premium term life coverage. Ask one of our knowledgeable agents for more information on ROP term policies.
Permanent Life Insurance is a term sometimes used for life insurance such as whole life or endowment, where the sum insured is due to be paid out at the end of the policy (assuming the policy is kept current) and the policy accrues a cash value. Permanent insurance is meant for things like funeral costs and final expenses. Buy as much of this type of policy as you can at a young age to lock in the premium and keep it for your lifetime.
It isn’t about you. . . . . It’s about those you leave behind! Protect what matters most!
Whether you’d like to stay at home or prefer a facility outside your home, long term care insurance protects your finances from the costly burden of caring for a loved one. Long term care can quickly deplete your savings as many people are living longer and the costs of medical care increase exponentially.
Usually, health insurance, disability insurance, and Medicare will not cover the costs of long-term care. Medicare only pays for long-term care if you require skilled care or rehab services for a limited number of days. Unlike Medicaid, Long Term Care Insurance allows you to choose a facility or stay at home because it is important to maintain options regarding how and where you receive care.
With a growing population requiring long-term care, it is important to be financially prepared. There is also a growing number of baby boomers and millennials that are being parents to their elderly parents. In fact, nearly 25% of grown children are helping their parents with care. While caring for an aging loved one may be the highest calling in your life, it can also be a labor of love and one of the most expensive, depleting your savings and requiring time off from your job and time away from your family.
Long Term Care Insurance can cover a variety of needs including home care, nursing home care, skilled and rehabilitative services, and personal care such as bathing and dressing. Most policies pay benefits when you need help with activities of daily living or when you have a cognitive impairment such as Alzheimer’s or dementia.
Although the costs vary, the 2014 Cost of Care Survey indicates that in Illinois the daily rate of a semi-private room in a nursing home is between $115 and $375 a day. Annually, that’s between nearly $42,000 and $136,875!
Long Term Care Insurance premiums can be deducted under your federal income tax return if it meets certain qualifications. Factors like how old you are when you buy the policy, the number of years the policy will pay, the amount of benefit per day, and optional benefits like home care determine the cost of a long-term care policy. Protect your family and your financial future by thinking ahead now!
Who will take care of you and how will you pay for it? Long Term Care Insurance is the answer.
For more information on Long Term Care Insurance, you can visit the US Department of Health and Human Services at http://longtermcare.gov/costs-how-to-pay/what-is-long-term-care-insurance/
Where will the money come from if you can’t work? If you and your family depend on your income you should consider disability income protection.
Many people believe they will be covered by Social Security or Worker’s Compensation if they were to become unable to work due to a disability or illness, but the facts are . . .
- 1 out of every 4 workers aged 33 to 65 will be disabled for 90 days.
- Disability is the cause of nearly 50% of all home foreclosures.
- 80% of US workers will exhaust their savings in only 2 months.
- Less than 10% of disability accidents or illnesses are work-related.
A disability or illness can create serious financial hardships for many people. You work hard for what you enjoy in life. Insure your most valuable asset!
Medicare is a federal government program for people 65 and older, or those with disabilities and other Medicare recipients, that helps may medical expenses. Medicare Supplements are available from several insurance companies.
Choosing a Medicare Supplement can be confusing and overwhelming. There are three things to consider when comparing Supplements: 1) Price, 2) Reputation, and 3) Claims Paying Ability. Sometimes insurance companies will also add in extra benefits in addition to the mandated coverages.
Whitworth-Horn-Goetten works with several companies to provide you with competitive prices, outstanding reputations, and prompt claims payment so you can take comfort in knowing that the Supplement you choose will be there for you when you need it most.
You can read more about Medicare at their website by clicking here: http://www.medicare.gov/supplement-other-insurance/medigap/whats-medigap.html
We provide a wide variety of health and life insurance services.
Health & Life Insurance
Whitworth-Horn-Goetten offers an array of Health and Life Insurance for qualified individuals. Whitworth-Horn-Goetten believes that nothing is more important than your personal health, and that is why each package is carefully chosen for the client’s personal needs. It is also important that you understand what your policy means and what it covers. Whitworth-Horn-Goetten takes the time to make sure of that.
Disability Insurance is available for those with disabilities. Unfortunately, many workers are misguided when unable to work due to disability or illness when in fact, that is not always the case. Accidents happen, so be sure to have a backup, especially if your family depends on your income for survival. Disability is the cause of nearly 50% of all home foreclosures and 80% of US workers will exhaust their savings in 2 months. Those are alarming statistics and can change a life forever, so stay one step ahead with the proper health and life insurance to better suit your needs.
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Customizable Commercial Insurance is offered to cover property damage, general liability, business auto insurance, workers compensation, and much more.
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Farmers have several options for coverage for both their business and personal desires.
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Offices
100 N. State St., Jerseyville, 62052
303 6th St., Carrollton, 62016
Contact
help@whgins.com
Jerseyville: 618-498-5508
Carrollton: 217-942-9444
Text: (217)-286-1083
Open Hours
Jerseyville:
Monday–Friday: 8:30am—4:30pm
Carrollton:
Monday–Friday: 8:30am—12pm & 1pm—4:30pm