Life, Accident and Health:

Term Life
– Covers you for a term of 10, 20, or 30 years. It pays a death benefit only if you die in that term. It does not build up a cash value.

Whole Life – Covers you for as long as you live if your premiums are paid. You generally pay the same amount in premiums for as long as you live.

Universal Life – A flexible policy that lets you vary your premium payments. Builds cash value.

Annuities – A tax-deferred annuity allows you to supplement the retirement income provided by your pension plan and Social Security.

Disability – The purpose of disability income insurance is to replace a portion of the insured’s income during a long-term disability.

Mortgage Life – Mortgage Life policies decrease monthly to approximate the outstanding balance of a mortgage. The concept is that the mortgage balance will be covered no matter when the insured dies.


Mortgage Disability – Provides funds needed to make your mortgage payment if you become totally disabled from an accident or illness.

Health Insurance – Health insurance provides coverage for individuals who become ill and require medical treatment as an outpatient or if they are hospitalized.

Long-Term Health Care – LTC is a product designed for aging Americans to provide coverage for such things as assistance in their homes including nursing care, adult daycare, or hospice care.

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Brigandi, Gleghorn and Associates, Inc. - 123 E. Water St. Lock Haven, PA 17745 - 570-748-4022