Life & Health Insurance

Health and Life Insurance Quotes

Our Columbus, Ohio insurance agency is here to help you with all of your personal insurance needs. If you would like to compare life insurance quotes or obtain information on private health insurance, you have come to the right place. You can get started by contacting us at 614-236-8691 for personal assistance.

Choosing the Right Life Insurance

The best life insurance for your needs depends on a number of factors. Our agents who specialize in life insurance can provide the advice you need to make the best choice for you. Some of the key factors to help you choose between term life and whole life insurance include:

• Whether you have dependents who will receive death benefits
  
• Whether your family members depend upon your income for living expenses
  
• Your income/tax bracket and desire to invest in a cash value policy

Term Life vs. Whole Life Insurance

Term life insurance is purchased for a specific term and pays a benefit if the insured party dies during that term. Whole life, also called permanent insurance, accrues a cash value in addition to death benefits.

Term life is the most popular type of life insurance because it is generally more economic and is designed to protect families financially in the event the family provider passes away. Without this insurance in place, the costs incurred from funeral expenses and other end-of-life costs for the head of household may create a financial hardship for his or her family.

Whole life insurance is part death benefit, part investment. For this reason, the premiums are higher because a portion of your premium goes toward death benefit while a portion goes toward savings.

While the premiums for whole life insurance tend are higher, some people like the fact that they are more predictable and stable. Term life insurance premiums may go up over time.

Choosing the Right Ohio Private Health Insurance

You may need private health insurance for a variety of reasons. For example, you may need to find your own insurance if you are not offered health coverage from your employer, you have recently been laid off, you run your own home based business, or you want a Medicare supplement.

As you know, change is constant in the world of healthcare and health insurance. One of our roles is to stay on top of the latest information and ensure that we can provide the most up-to-date resources for you. Not only that, but as an independent agency we work with many insurance companies, giving us the capability to compare insurance carriers, policies and rates on your behalf.

Whether you are seeking basic personal health insurance, a plan that includes dental and optical coverage, a group health plan, or long-term care coverage, we can provide the information and assistance you need to make the right choice. Affordable private health insurance rates are available. Contact our Columbus, Ohio agency for information and assistance today.

How to Compare Insurance Quotes

We know your needs and concerns are unique to you. Our team at Isner Insurance Associates can help you compare insurance plans and quotes and make the best choice for you and your family. Contact us today at 614-236-8691 for personal assistance with your health insurance and life insurance needs.

If you are seeking commercial insurance, please visit our business insurance page.