 Individual
Health Insurance
Financial PSI is an authorized agent for BlueCross BlueShield
of Tennessee, Humana, and is affiliated with many other major insurance
companies. Our service is second to none, and we are always available
to assist you with coverage, claim, or billing questions. Our knowledgeable
staff can advise you regarding your needs.
Individuals - If you
are under 65 and looking for permanent health insurance, BlueCross
BlueShield has a plan to fit your needs. You will have the freedom
to choose doctors and hospitals both in and out of the network and
a choice of co-payments and deductibles to fit your budget.
Short-term Individual Plans
- If you are a recent college graduate or between jobs, BlueCross
BlueShield's short-term policy may just be the inexpensive coverage
you have been looking for. Policies are also available for children
or grandchildren who may need temporary coverage.
Medicare Supplement Plans
- If you are 65 or over, BlueCross BlueShield supplemental plans
can help pay the deductibles and co-insurance Medicare doesn't pay.
BlueCross 65/Select* can save 10 percent to 15 percent on premiums
when you agree to use a doctor or hospital in the network.
Individual
Life Insurance
Financial PSI maintains a relationship with most of the major life
insurors in the country. We can custom-design a program for you
using any of the following:
• 5-, 10-, 15-, 20- and 30-year level premium term insurance
• All types of permanent life insurance
We can also assist with other needs such as:
• Estate liquidity planning
• Funded buy-sell agreements
• Key-person life insurance to help offset the loss of a key
employee
• Deferred compensation for key employees
• Assistance in matters concerning wills and trusts
Individual
Disability Income Insurance
Financial PSI recognizes the most often overlooked need that all
of us have - the replacement of income when you are unable to work
due to accident or sickness.
Most of the recommended plans pay you income in addition to other
benefits received, such as Social Security and workers' compensation.
Costs vary with these factors:
• Amount of benefit
• Start date of benefit
• Your occupation and general health
• Length of time benefits are to be paid
Individual
Long-term Care Insurance
Long-term Care (LTC) Insurance has become a very important issue
in personal financial planning.
All of us know someone who has been in an assisted-living facility
or nursing home, or has needed special care at home. As we know,
these costs can wipe out an individual's financial resources very
quickly.
Selecting a plan and a company can be most confusing. Financial
PSI represents all the most respected companies that specialize
in LTC. We would be delighted to help design a personalized program
for you.
Individual
Dental & Vision Coverage
Financial PSI represents one of the most widely used dental/vision
programs in the country. This coverage has been very popular in
recent years.
Supplemental
Cancer Insurance
Supplemental cancer insurance is another popular coverage. We represent
AFLAC, American Heritage, and other companies to offer this relatively
inexpensive insurance designed to help offset expenses not covered
by other insurance, including wages lost by a family member, travel,
and lodging.
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