Personal Insurance

Let’s build a portfolio that protects both your personal and business assets.

When your business and professional assets expand and intersect, your risk becomes more complex. The OIS Group team of experts specialize in these different areas of insurance and can provide the attention to detail a high net worth client deserves. We believe good communication and transparency are paramount to achieving our clients’ goals and building long lasting relationships.

Whether managing personal life, disability, property, or liability risks for a business owner or employee, our team is here to help you find the right solution.

Because we’ve helped individuals in a wide variety of situations, you can be confident you’ll get the ideal products and service you expect from our insurance industry experts.

The OIS Group provides the following types of personal insurance protection:

  • Variable Life
  • Term Life
  • Permanent Life
  • Business Overhead Expense Disability Insurance
  • High Limit Disability Insurance
  • Individual Disability Insurance
  • Key Person Disability Insurance
  • Long Term Care Policy
  • Fixed Annuity with LTC Benefits
  • Life Insurance with an LTC Rider
  • ATV, Auto, Boat & Marine
  • Condominium
  • Earthquake
  • Flood
  • Homeowners
  • Investment Property
  • Mobile/Manufactured Home
  • Motor Home & RV
  • Motorcycle
  • Personal Umbrella
  • Personal Watercraft
  • Renters
  • Travel Insurance
  • Valuable Items

Life Insurance

Life insurance is a unique asset which can be a valuable addition to your overall estate plan. It provides protection against the financial strain that a premature death can bring.

If you are married without children and both are working, then you probably need a limited amount to cover expenses associated with your untimely death. But if there are family members who depend upon your income, then life insurance will be a very important component of your financial planning needs.

The OIS Group can help you find the right policy that fits your needs, whether it’s Term, Whole and Universal Life Insurance.

Annuities

An annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan.

Annuities offer the opportunity for lifetime payments and tax-deferred earnings, and provide a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.

An annuity is different from most other retirement savings vehicles — it’s actually a contract between you and an insurance company. In return for making one or more premium payments, the insurance company agrees to provide you an income stream — usually during retirement. You can elect to receive payment all at once or as a series of payments, even for the rest of your life.

Long Term Care Insurance

Long term care insurance makes certain that you won’t be a burden on your family.

LTC insurance can cover all or part of your expenses in the case that you have a debilitating physical or cognitive illness that causes you to need care with the basic activities of daily living . Most policies allow you to choose where and what type of services you receive e.g. home care or care in assisted living facility.

We represent the major Long-Term Care insurance carriers in the market and have specialists that can help you find the best carrier and plan to fit your needs.

Asset Based Solutions 

‘Hybrid’ products combine a LTC benefit with an annuity or life insurance policy. This type of policy provides a long term care benefit to the insured if needed.  However, in the event the insured does not need long-term care, they still get the benefit of the underlying annuity or life policy. This way the insured has one policy covering various needs.

Disability Insurance

Your most valuable asset isn’t your house, car or retirement account. It’s your ability to make a living.

Unforeseen events, even if they only cause a short-term disruption, can have lasting effects for years. Disability insurance can protect a portion of your income from extenuating circumstances and cover income gaps until you are hitting on all cylinders again. Individual disability income insurance is also customizable, so coverage can scale up in line with salary increases as your company grows.

Why not have The OIS Group act as your owner’s rep and
conduct a full review free of charge?

We can help you navigate through all of the options and find the best solutions for your personal and business needs.

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