About Us
Welcome to D Ellis & Associates Insurance Group
All of us here at D Ellis and Associates are here to help you navigate the complicated process of providing the quality financial protection you need at an affordable cost. This process does not need to be done alone and there is never a fee for our service.
Please schedule a time and one of our licensed agents will be in contact to provide a comprehensive analysis of yours and your family’s needs.
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Life Insurance
Life insurance is a vital component of financial planning, offering essential protection for your loved ones in case of your untimely passing. This type of insurance ensures that your family has the necessary financial resources to cover immediate expenses like funeral costs and outstanding debts while also providing ongoing support for their long-term needs. There are various life insurance options to choose from, including term life insurance, which provides coverage for a specific period, and whole life insurance, which offers lifelong protection along with a cash value component that can grow over time.
Whole Life Insurance
Whole life insurance is a type of life insurance policy that provides coverage for your entire lifetime, as long as you continue to pay the premiums. Unlike term life insurance, which covers a specific period, whole life insurance is a permanent form of coverage. One of the distinguishing features of whole life insurance is its cash value component, which allows the policy to build up a savings or investment portion over time.
Term Life Insurance
Term life insurance is a straightforward and cost-effective form of life insurance that provides coverage for a specified period, often ranging from 10 to 30 years. This type of policy is designed to offer financial protection to your loved ones in the event of your untimely death during the chosen term. Term life insurance is a popular choice because it allows you to select coverage for the duration that aligns with your specific needs.
Annuities
Annuities are financial products that offer a regular stream of payments over a specified period or for the rest of your life. They are commonly used as a retirement planning tool to provide a dependable source of income after you’ve stopped working. Annuities can be purchased through a lump-sum payment or a series of contributions, and they come in various types, including fixed, variable, and indexed annuities.
Indexed Universal Life
Indexed Universal Life (IUL) insurance is a unique and versatile type of life insurance policy that combines the elements of traditional universal life insurance with the potential for cash value growth linked to the performance of a stock market index, typically the S&P 500. IUL policies offer policyholders flexibility in premium payments and the opportunity to accumulate cash value over time, tax-deferred.
Medicare
Medicare is a vital government-sponsored health insurance program in the United States that provides coverage to eligible individuals, primarily those aged 65 and older, as well as certain younger individuals with disabilities. It consists of several parts, each serving specific healthcare needs.
Policy Discussion Appointment
A “Policy Discussion Appointment” is a valuable opportunity to ensure that your insurance coverage aligns with your current needs and circumstances. It’s recommended that policyholders schedule these appointments periodically, especially when major life changes occur, to keep their coverage up to date and provide peace of mind.
Offering great insurance solutions for you
Several factors can impact your auto insurance premium, including your driving history, age, location, the type of vehicle you drive, and your coverage limits. Insurance companies use these factors to assess your risk level and determine the cost of your premium. It’s essential to maintain a clean driving record and explore discounts to potentially lower your rates.
Several factors influence health insurance costs, including your age, location, smoking status, the level of coverage you choose, and any pre-existing health conditions. You can often save on premiums by selecting a plan with a higher deductible or by using in-network healthcare providers. Additionally, maintaining a healthy lifestyle can lead to lower long-term healthcare expenses and potentially lower insurance costs.
Our Carriers
