Major Medical Insurance - Purpose: to help protect the family from bankruptcy and medical disaster, not for free medical services! Deductibles of $1,000 to $5,000 are advisable and available. Do call.

Long Term Care Insurance - Purpose: To provide for temporary (3 years) care while a meaningful estate is being built. Our extended longevity to the 90s is with vastly increased health costs.  If you're 55 or above, Long Term Care Insurance is a prudent short-term part of every responsible retirement program. 

Disability Insurance - Purpose:  For ministers who opted out of Social Security, Disability Insurance coverage is a must. 

For specific costs and further details of the coverage, including exclusions, and reductions or limitations and the terms under which the policy may be continued in force, contact the David Holmes Agency or write to the company.

© David Holmes 2010                                                              REV. 9/10