Clifford & Associates, LLC's committed agents can help you evaluate the various insurance options available and help you select the best plan(s) for you. We offer personalized planning for each policy. We are flexible and can meet with you in our office or at your home or workplace. We also provide free ongoing support and education for you and your employees.

We offer the following types of health insurance plans:

• Individual Plans
• You may want to consider an individual plan if you are in one of the following situations:
  • Failing to qualify for group insurance
  • Paying too much for a COBRA plan
  • Supporting a family
  • Attending college
  • Graduating from college
  • Working as a part-time employee
  • Facing an early retirement
  • Operating your own small business
• Group Plans
• Group plans cover both for-profit and non-profit organizations with two or more full-time employees and at least 70% employee participation in the plan. Group plans may stand alone or work in tandem with HSA accounts. Most group plans offer annual wellness visits. Dental and vision coverage is also avaiable.
• Health Savings Accounts (HSAs)

You have control over the following aspects of your plan:

• Deductible
• Co-insurance
• Out-of-Pocket Maximum

• AultCare
• Blue Cross/Blue Shield (Anthem)
• John Alden (Assurant Health)
• SummaCare

Life Insurance Buyer's Guide

We offer the following types of life insurance policies to both individuals and groups:

• Term Life

  Term Insurance covers you for a term of one or more years. It pays a death benefit only if you die in that term. Generally, term insurance does not build up cash value. However, some companies do offer term insurance that accumulates a cash value.

• Whole Life

  Whole Life Insurance covers you for as long as you live if your premiums are paid. It is best for those who desire or need life insurance that will be in force the rest of their lives no matter what happens. The accumulated value may be borrowed or cashed out.

• Universal Life

  Universal Life Insurance is a kind of flexible policy that lets you vary your premium payments.

The most important question is not "Can I afford disability insurance?" but rather "Can I afford NOT to have disability insurance?"

We offer disability insurance through Illinois Mutual Life Insurance Company.

• Individual plan
• Business expense protection plan

We offer the following Medicare plans:

• Supplement plans
• Advantage plans