US and International insurance products ...
LifeLife insurance gives you the peace of mind you only get from knowing that you've protected your loved ones. It's an important part of your personal financial safety net. We offer a wide range of life insurance solutions to help you protect the ones you love. In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want, such as:
- Make up for your lost income
- Fund your child's education
- Paying off household debt
- Paying for your funeral and other related expenses
Please click the ink below to receive instant competitive term life insurance quotes from up to 40 insurance carriers. For permanent insurance, please call us to learn about the variety of solutions we offer, including several offering a cash value feature.
AutoThe vehicle you depend on should have coverage you can count on. We offer comprehensive policies and the expertise to help you make the right decisions. Additionally, since we work with many insurance carriers, you receive the most competitive quotes. You can receive immediate quotes by clicking the link below. Alternatively, please feel free to call us and we will provide the quotes.
Home / Condo / Co-opThere's no place like home, so it makes sense to protect it. Whether you live in a house, condo, coop or rental apartment, we offer the coverage that provides the protection you need. Additionally, since we work with many insurance carriers, you receive the most competitive quotes. You can receive immediate quotes by clicking the link below. Alternatively, please feel free to call us and we will provide the quotes.
Personal PropertyYou may own more valuable possessions than you realize. Personal Property insurance helps to protect your valuable personal property in the event that your existing homeowners insurance has deductibles or limitations. Examples of items that may not be fully covered under your homeowners policy are jewelry, musical instruments, cameras, fine arts, and precious stones. Please contact us if you are unsure if your policy provides the protection you need.
Personal Liability UmbrellaPersonal Excess liability also called "umbrella insurance" can provide an extra layer of liability coverage to protect you. Most people are aware of the need for automobile and homeowner's insurance to protect against the financial risks of auto accidents, personal liability and property damage or loss. Yet, many do not realize that the maximum benefits offered by such policies may be insufficient in case of a lawsuit or major loss. Umbrella insurance provides extra protection beyond the limited coverage of basic home and auto policies.
Event CancellationDue to circumstances beyond your control, tonight's event is cancelled. But your financial obligations are not. That's why you need Event Cancellation Insurance. We can protect event organizers from almost any eventuality. We can provide event cancellation insurance for almost every event held in the U.S., Europe and throughout the world.
We also event weather insurance and special event liability insurance.
AnnuitiesWe offer a comprehensive menu of fixed and income annuities. With a fixed annuity, you can have both safety and predictability. When you purchase a fixed annuity, your principal is safe and you'll earn a guaranteed rate of return. With an income annuity, once you decide you need income, it may be possible to maximize your spending power by creating more income with fewer assets. By putting a portion of your assets into an income annuity, you may generate more income than you could on your own. Plus, you can help manage market fluctuations and receive a guaranteed stream of income that you can use to cover basic expenses for the rest of your life. Please contact us and one of our advisors will work with you to see if an annuity is appropriate for you.
Disability Income InsuranceIn the event that you are unable to continue working due to injury or illness, this can provide you with income to help you maintain your family's standard of living. If you’re unable to work due to a sickness or injury, disability income insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability income insurance can help provide financial security until you get back on your feet and return to work.
Pet HealthAfter 30 years of protecting pets around the world, Petplan is now the world's largest pet insurance provider and is recommended by more veterinarians, breeder and pet owners than any other provider. Once your pet is insured the covered for life feature protects your pet for illnesses and injuries without age limits as long as the policy is renewed each year without any break in coverage. To receive an additional 5% discount, use promo code SPD24738.
Long Term CareLong Term Care Insurance helps protect your hard-earned assets, and provide more control over how and where you receive care should you need it. It covers the high cost of nursing home or at-home care – the focus of increased concern for many people, considering the aging population and uncertainty about government-sponsored programs. Without proper planning, a serious accident or illness could very quickly deplete your hard-earned savings. Only Long-Term Care insurance can provide you with the financial security you need and deserve in your retirement years. We also offer portable coverage for non-US citizens currently living in the US, but planning to retire abroad.
Commercial Property and LiabilityCommercial property insurance protects your property, as well as inventory or assets, against loss or damage caused by theft, an accident or some other means. Your business property insurance protects you even if the property is away from your place of business when it is damaged or lost. The policy covers your costs to replace or repair the property and, in some instances, compensates you for items that cannot be replaced. Companies frequently purchase commercial property insurance as a part of a Business Owners Policy (BOP) which offers a way for low-risk companies to purchase two of the most valuable types of insurance - business property insurance and commercial general liability insurance – in a single, affordable package.
Liability insurance protects you from the cost of defending yourself or paying the damages if an employee, contractor, customer or other business-related third party claims that your business caused them bodily injury or harmed their property. You may also have heard this type of insurance described as commercial general liability (CGL) insurance. Please contact us and we can assess & review your business needs and then recommend an appropriate solution to manage your risk.
Groups Products/ProgramsWe offer a comprehensive menu of compulsory and voluntary programs including medical, life, dental, critical illness, LTD, LTC etc. With our extensive insurance carrier relationships, we can identify the solution that will meet both your objectives and budget.
Travel Short-Term MedicalThese plans provide individual, family and group coverage anywhere from five days up to three years. They are designed to protect you in the event of an illness or injury when you are traveling outside your home country. They are ideal for individual, group or family travel, adventure travel, or executives/business people that take multiple international trips throughout the year.
Travel AccidentThese plans provide coverage for medical expenses, financial losses - such as money invested in non-refundable pre-payments - and other losses incurred while traveling. Plans are issued to cover the duration of the trip that the traveler books. These plans are fitting for cruise travel, student travel, adventure travel and international travel.
Student MedicalDesigned for individuals or groups of two or more students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.
International LifeNeed long term international term life coverage? International Life will cover you up to ten years while residing abroad. This life insurance plan is useful for individuals relocating abroad who require family, corporate or bank protections. Basic Life, Terminal Illness and Double Indemnity options are available to fit your needs.
International MedicalThese plans provide seamless coverage for international citizens of all countries who are living or working abroad, traveling frequently between countries or maintaining multiple countries of residence. They are annually renewable and they are optimal for expatriates, international executives, diplomats, students, entertainers and other international travelers.
Kidnap & RansomKidnap, Ransom and Extortion insurance provides numerous benefits and services to the applicant and the insured. Kidnap, Ransom & Extortion Insurance provides coverage for kidnappings and other events through a combination of financial indemnification and expert crisis management.
MovingMoving insurance provides a broad range of worldwide coverage for you and your family's belongings at every stage during a move - from packing to unpacking. With hassle free claim processing and premiums costing significantly less than insurance from moving companies, once packed, your family can concentrate their thoughts and energies elsewhere, secure in the knowledge that they are covered wherever they go.
Vacant HomeInsuring a vacant home is a particularly troublesome aspect of any move. In most jurisdictions, domestic insurers are reluctant to cover vacant dwellings. This product provides insurance coverage for vacant principle or secondary dwellings located anywhere in the world.
Critical Illness CoverageMaximize your chance of a full and fast recovery from the most life-threatening illnesses, including cancer and heart disease. This is a low cost approach to critical illness coverage that dedicates a deductible-free $2 million limit for access to the world's foremost surgeons and health facilities.
Belongings & LiabilityBelongings and Liability Insurance has your belongings covered. Our comprehensive program, designed expressly for professionals of all nationalities working outside of their home country, offers superior coverage and worldwide claims service.
Professional Liability/Errors & OmissionsWhile general liability insurance is primarily focused on property damage or bodily injury, errors and omissions insurance, also called professional liability insurance, protects you if a client claims that your services caused them to suffer a financial loss. Please contact us and we can assess & review your business needs and then recommend an appropriate solution to manage your risk.
Directors & Officers Liability (D & O)Directors & Officers Liability (D& O) provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of D & O as a management Errors and Omissions policy. D & O can usually include Employment Practices Liability and sometimes Fiduciary Liability. The former involves harassment and discrimination suits, and is where the majority of your exposure will be.
Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance. Please contact us and we can assess & review your business needs and then recommend an appropriate solution to manage your risk.