Life & Health Insurance
People need life insurance for various reasons. Some people have to buy life insurance to secure a loan or to fund a business requirement. Most people buy life insurance because they want to provide for family needs, to use a life policy as an estate planning tool, to supplement retirement planning, or for gifting. First Western Insurance can help you choose which type of life insurance best suits your needs:
- Whole life
Health insurance can be a remedy for many catastrophic events that can happen in your lifetime. If you were to become injured and could no longer work at your current job, would your family suffer from the lack of income? When you turn 65, don't assume that Medicare will cover all your health expenses. First Western Insurance can help you cover some of those coverage gaps.
- Major medical
- Short term medical
- Medicare Supplements
Long-Term Care Insurance
Nearly 3 out of every 4 people will need long-term care services during their lives. Individuals who purchase a qualified Long-Term Care Partnership policy can qualify for a $250 North Dakota income tax credit, or $500 if both spouses are insured on the same LTC policy. Long-term care covers more than just nursing home stays -- it can also cover home health care, provide reimbursement for family members who take time off work to help provide informal care, help pay for assistive devices, and assisted living facility stays to mention a few.
First Western Insurance is an independent insurance agency representing several insurance companies with two convenient locations to serve you. We are licensed in North Dakota.
Insurance products or annuities are: *not insured by the FDIC or other Federal Government agency; *not a deposit or other obligation of, or guaranteed by any bank or their affiliates; *subject to risks, including the possible loss of principal amount invested.