Disability Insurance, Life Insurance, and Medicare are a few of the other services Zinn Insurance provides. Do you have questions about a particular plan or type of service? Let us know what you would like help with!
Buying individual health insurance is a big decision. And big decisions require information, choices, and someone to turn to when you have questions.
You can be sure you will be well-taken care from Zinn Insurance Agency. Our goal is to provide fast, friendly service every time you need answers on claims, benefits, or payments. Learn more »
Offering the "right" health insurance plan is one of the most important decisions you can make as a small business owner - keeping employees happy and healthy benefits you in the long run. But making sense of the complex and often expensive health care insurance system has become increasingly difficult for employers, especially small businesses. Learn more »
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different; this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower
than receiving benefits from a quality contract. The goal of this site is to provide you with a resource to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. I will also provide you with links to some third party articles, and links to the best disability insurance sites I have found on the internet to obtain quotes. View Resources »
One of the biggest reasons to buy life insurance is to provide money in case of death. If you're single and don't want to leave money to anyone, you may not need life insurance. But as you take on more responsibilities and your family grows, your need for life insurance increases. The proceeds from a life insurance policy can replace the income lost to your family upon your death. The life insurance death benefit can also pay off debts and expenses, provide money to a charity or organization, and cover final and estate expenses. View Resources »
Small business owners work hard to establish their business and achieve success. However, there may be planning issues that need to be addressed to be sure success continues. Some of these issues may be:
What will happen to your business at your death? Will your heirs need to sell the business to obtain cash to pay estate taxes and liabilities? Will your heirs and surviving owners work together harmoniously?
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Employees are an integral part of a business' success. As a result, you should ask yourself: Could your business continue to be as profitable in the event of the unexpected death of a key employee?
A major problem facing many businesses today is attracting and retaining top-caliber employees. As a small business owner, you are aware of the importance of employee benefits and their contribution to your business success. Whether it's using a qualified retirement plan or group life insurance.
Fringe benefits, such as Split Dollar, Executive Bonus, and Deferred Compensation allow an employer to select the employees it wishes to participate and vary the benefits among them. The plans do not have to meet IRS requirements, and there are no IRS mandatory distribution requirements.
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Before your 65th birthday or becoming eligible for Medicare A & B due to disability, is the time to start thinking about Medicare. That means understanding what Medicare is, how and when to enroll, and what it does and does not cover. It's also time to think about the options available that can help protect you from some of the expenses not covered by Medicare. The Medicare health plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality.
Medicare has four parts, A, B, C and D. Medicare Part A covers inpatient care in a hospital or a limited stay in a skilled nursing facility. Part B covers doctors and outpatient hospital services. Medicare Part C is Medicare Advantage programs. Part D covers prescription drugs.
Medicare information and your choices are overwhelming. We provide education on a personal basis so you are able to make an informed decision that will best suit your needs and lifestyle.
Our services are at no cost to you nor do they reflect on your rates. We are compensated by the insurance carrier. Continual changes are on the horizon due to health care reform. Ask yourself, "Doesn't it make sense to have someone that keeps you informed with the changes as they occur and how it affects you?"" We would like the opportunity to work with you for your Medicare needs.