NIBS works in a variety of areas of individual insurance plans. While our business over 20 years ago focused on Disability plans we now offer other products including Life, Long Term Care, Critical Illness, Medicare solutions, individual dental and vision plans, and Travel Medical and Accident plans for short and long term international travel. Although we mostly work with brokers we are happy to refer individuals to a broker in their area.
A disabling accident or illness can occur without warning and it happens more often than you might expect.
Policy types range from personal Disability Income, Business Overhead Expense, Disability Business Buyout, Keyperson, and Business Loan Protection.
Term insurance, Whole Life, Guaranteed Universal Life, and Final Expense policies; yes we have it all to ensure we have the right product for every individual.
More than 52% of people turning 65 will have a long-term care need during their lifetime. With the average cost of nursing home care in Vermont coming in over $110,000 per year this can rapidly deplete any assets saved.
We offer traditional stand alone Long-Term Care policies as well as hybrid products that combine a life policy with a Long-Term Care benefit.
We offer Medicare Advantage plans, Medicare Supplements plans, and Prescription Drug plans to ensure that your client's needs are covered.
Assurity's Critical Illness Insurance pays out a lump sum benefit upon a confirmed diagnosis of any covered illness. With no restirctions on how you use the money an insured can use the money to cover associated health costs or maybe to take a relaxing vacation while you recuperate.
Accidents happen, so make sure that you are covered when you are traveling out of the county. We offer a variety of plans with a few carriers to cover medical expenses as well as optional Accidental Death and Dismemberment life coverage.
With a handful of options we have you covered for your dental and visions needs.
