Life Insurance, Disability Insurance and Health Insurance

Protection for Every Chapter of your Life

Life, Disability, and Health Insurance from Coughlin Insurance Services

Whether you’re expecting your first child, making plans as recent empty-nesters or settling into retirement, the right insurance plan can have a positive impact on the way you and your family. Coughlin Insurance Services has helped families at all stages of life by providing life, disability and health insurance that protects through the things for which you’ve planned, as well as life’s unexpected turns. We look forward to helping you walk through whatever chapter of life you’re in so you can spend your time looking forward to the future with peace of mind.

LIFE INSURANCE

The Best Gift you may ever give

Life can change in the blink of an eye, for better…and for worse. No one wants to consider the question, but having the right answer can change the course of the lives of your family.

What happens to your family if you die?
Loosing someone they love is devastating enough. Losing a major source of family income is like adding a whole new injury to an already suffering family. Suddenly, your survivors are worrying about all of life’s expenses, such as:

  • House payments
  • Utilities
  • College
  • House, car and health insurance
  • Car payments
  • And all of the every-day living expenses that never end

Coughlin Insurance Services can tailor a Life Insurance Package that provides the income necessary for your family to meet their ongoing needs. If the unexpected happens, life insurance may prove to be the best gift you ever give your family.

Our Life Insurance options include:

  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Term Life Insurance
  • and more

DISABILITY INSURANCE

Don’t suffer financially when you’re hurt

Whether you’re a business owner looking to make your benefit package more attractive for potential employees or simply looking for a little peace of mind, disability insurance is a value-added addition to your insurance portfolio. With the right disability policy, you ensure an unexpected illness or injury doesn’t cause a financial hardship.

Consider this: over 25% of today’s 20-year-olds will become disabled before they retire.

If you’re totally disabled, disability insurance provides an important source of income to help cover your living expenses. It can also keep you from having to tap into any other tax-deferred savings or retirement plans, thus avoiding any early withdrawal penalties and keeping your retirement portfolio intact.

Your Coughlin Insurance Services agent can walk you through your options, which include:

  • Long-Term Disability – pays funds towards replacing lost income due to your disability
  • Short-Term Disability – helps with monthly financial obligations like installment loan and mortgage payments and credit card bills and can replace lost income if you’re disabled.
  • Mortgage Disability Insurance – helps make your mortgage loan payments if you’re totally disabled.
  • Individual Credit Disability Insurance – pays a monthly installment payment directly to your lender if you become disabled.

HEALTH INSURANCE

Covering the high cost of medical care

Families and employees everywhere are talking about the many changes occurring concerning health insurance. There’s a great deal of uncertainty and confusion, but your Coughlin Insurance Services agent can bring clarity to this complicated subject. We offer both group and individual health insurance products to meet a wide and diverse group of needs. Whether you’re a self-employed individual or a business owner looking for competitive health insurance programs for your employees, Coughlin Insurance is here to help!

Health Insurance for Individuals

Being an independent insurance agent allows Coughlin Insurance Services to access a host of insurance providers who specialize in products that meet a wide variety of needs. From alternative coverage plans and varying deductibles to special provisions that reduce costs, Coughlin Insurance has you covered.

Group Health Insurance

We understand the burden carried by companies who must comply with federal regulations that require them to provide insurance for employees. Finding a plan that provides solid coverage while meeting your budgetary requirements can seem like a daunting task. The professionals at Coughlin Insurance have years of experience and the latest information concerning group health insurance policies.

In addition, we can also provide ancillary products that add value to your overall benefits package. From vision and dental coverage to travel/accident insurance and prescription drug plans, our network of carriers offer a variety of optional health-related policies that make your benefits package attractive to both new recruits and existing employees.

Insurance Services in the New York, New Jersey, Connecticut Tri-State Area.
Contact Coughlin Insurance today!

800-542-0661