Insurance Company in Fresno
Finding the right insurance coverage can be overwhelming, but it doesn’t have to be. At Professional Benefits Team Inc, we help individuals, families, and businesses in Fresno find the right insurance solutions to fit their needs. With us, you get tailored insurance policies backed by professional support and a commitment to your financial security.
Call us today at (559) 275-7706 to discuss which insurance options are best for you!
Contact Our Insurance CompanyProfessional Benefits Team Inc’s Insurance Plans Offer Comprehensive Coverage
Professional Benefits Team Inc understands that life can be unpredictable, and unexpected medical expenses can quickly add up. That’s why our insurance plans offer comprehensive coverage for various healthcare needs.
This includes:
- Medicare advantage plans
- Medicare supplement plans
- Prescription drug plans
- Senior life insurance
- Voluntary benefits
- Dental and vision insurance
- Disability insurance
- Group health insurance
- Life and AD&D insurance
- Long-term care insurance
- Individual health insurance
What Does Health Insurance Cover?
Health insurance is designed to help cover the costs of medical care so you can focus on staying healthy without worrying about expensive bills. While every plan is different, most health insurance policies generally cover a range of essential services, including:
- Routine check-ups and preventive care
- Emergency room visits and hospital stays
- Prescription medications
- Specialist visits
- Mental health services
- Maternity care and pediatric services
It’s important to carefully review your policy and talk with our insurance agent to understand what’s covered under your specific plan.
Can You Get Life Insurance if You’re Sick?
Yes, you can still get life insurance even if you’re sick, but it depends on the specific circumstances and the type of policy you’re looking for.
Some policies, like guaranteed issue life insurance, don’t require a medical exam and are designed specifically for people with health issues. While these policies may cost a bit more and have limited payouts during the first few years, they can still provide added assurance for you and your loved ones.
We’re always happy to talk through your options and help you find a plan that works for you.
What Is the Difference Between Term and Whole Life Insurance?
Term and whole life insurance are two common types of policies, but they work quite differently.
Term life insurance covers you for a set period, like 10, 20, or 30 years, and is often more affordable because it only provides coverage for that specific time frame.
On the other hand, whole-life insurance lasts your entire lifetime and builds cash value over time, making it more expensive, though it offers more long-term benefits.
Get the Right Insurance Policy for Your Needs
Health and life insurance are the most important investments you can make for yourself and your family. Whether you need protection for medical expenses or want to ensure financial security for your loved ones, we’re here to help. Our team at Professional Benefits Team Inc is dedicated to finding the right insurance policy for your needs and budget. We offer a range of options and can work with you to customize a plan that fits your lifestyle.
Looking for an insurance company in Fresno? Contact us at (559) 275-7706.