Life and Health Insurance
You can't tell the future, but you can be prepared for it. Make sure that you're covered in case of any accident, illness, or emergency, with complete coverage from Citizens Agency.
There are as many different insurance situations as there are people in the world, so Citizens Agency is prepared to help you customize a policy to fit your unique needs.
Our complete line of comprehensive coverage will make sure you and your family are protected. Make sure you're covered so you can rest easy knowing you're prepared for anything.
- Group & Individual Life Insurance
- Group & Individual Health Plans
- Group Dental
- Long Term Care
- Employee Benefits
- Medicare Supplement
We Are An Independent Insurance Agency.
We guarantee customer satisfaction and quick handling of claims.
- Types of Insurance
Group & Individual Life Insurance: Insurance coverage to substitute for the insured's income if he or she dies. The policy holders buy insurance cover from an insurance company, and pay specific periodic amounts (premiums) for the term (duration or life) of the policy. If the insured dies before the term is completed, a guaranteed sum (the face amount of the policy) is paid to one or more named beneficiaries.
Group & Individual Health Plans: Insurance against loss by illness or bodily injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder.
Group Dental: Dental Insurance is insurance designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.
Long Term Care: Long-term care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Employee Benefits: Provision by an employer for the economic and social welfare of employees. Generally include: (1) pension plans for retirement; (2) group life insurance for death; (3) group health insurance for illness and accident; (4) group disability income insurance for loss of income due to illness and accident; and (5) accidental death and dismemberment. Dental insurance, eyeglass insurance, and legal expense insurance may be included.
Medicare Supplement: Medigap refers to various private supplemental health insurance plans sold to Medicare beneficiaries in the United States that provide coverage for medical expenses not or only partially covered by Medicare.
Disability: Disability insurance, often called disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. In other words, it answers the question, "How would I pay for my living expenses if I became unable to work?" Insurance policy that pays benefits in the event that the policyholder becomes incapable of working.