LIFE INSURANCE :
insurance provides financial protection for you and your family.
It can be used to cover a shortfall in your other assets,
to protect your family and business, to cover a mortgage,
or to help fund your retirement of a college education.
can provide a wide selection of term and permanent life insurance
policies to meet your needs and those of your family. We also
offer policies that provide discounted rates for nonsmokers
and people with good health histories.
for a specified time period
for covering a specific need
be convertible to permanent life insurance
Protection for your entire life
premiums and coverage amounts
interest rates in a tax deferred environment
to cash values
AUTO INSURANCE :
coverage, outstanding service, and decent rates are what we
provide with your auto insurance. Our auto coverage will take
care of you if your car is damaged or stolen, and provide
liability coverage in an accident. Uninsured and Underinsured
Motorist coverages will protect you when involved in an accident
with someone who either has no insurance or insufficient insurance.
Personal Injury Protection will help with medical bills for
you or anyone else in your car, as well as providing limited
coverage for loss of income.
HEALTH INSURANCE :
you wish to provide a group health benefit for your company,
or just need an individual policy, we can help with your health
insurance needs. We offer a variety of group and individual
products to suit most any need. Call Andy Winn for more information
or to schedule an appointment.
Group Health (PPO) Plans
HMO Plans through Scott & White Health Plan
Dental and Vision (contributory or voluntary)
Driven Health Plans (HSA and HRA)
HOMEOWNERS INSURANCE :
homeowners insurance policy helps protect one of your most
valuable assets in case of loss. By working with you, we will
advise you on a policy that will give you the best, most effective
cost coverage for your needs.
Replacement Coverage - For homes insured for 100%
of their replacement value, damage resulting from a covered
incident will be repaired in full, up to the specified policy
Replacement Coverage - Replacement cost coverage
provides for the total replacement of your contents that
are destroyed by a covered loss up to the policy limits,
without any deductions for use or depreciation. Your deductible
and Valuables Coverage - You can add additional
protection for your valuables such as jewelry, furs, stamp
and coin collections, silverware and home computers. Check
with us regarding the limits of your homeowners policy,
and if one or more of these additional coverages would be
right for you.
BUSINESS INSURANCE :
protection and attention for smaller businesses regardless
of size. At Beal Insurance, we strive to provide every business
with the same quality coverages and service -- customized
for each company's specific needs.
can help you save money on your Workers Compensation, Commercial
Property and General Liability, Business Auto, Business Interruption
(income replacement), Equipment Breakdown or any other coverages
will treat each business as unique and help you to acquire
the most appopriate and competitively priced coverages available.
Breakdown (Steamboiler Policy)