Life & Health Insurance

Our services.

 

Personal Life Insurance

An untimely death can have a dramatic effect on your family or business. If your death causes a financial loss, then you need life insurance. If you need help determining your specific life insurance needs, we are here to help. Here are a few reasons why you may need life insurance;

  • Replacement of lost income: When your family will suffer financially from your death in the form of loss of income.

  • Debt repayment: Many people buy life insurance to insure that a mortgage or loan is paid off at their death.

  • Education funding: Ensure your goal of putting your children through college is met.

  • Estate preservation: To make sure that your estate is passed on to your heirs without estate tax “shrinkage.” Life insurance can be a necessary tool to pay off taxes.

Disability Income Insurance

It is seven times more likely that you will have a sickness or injury that prevents you from working prior to age 65, than there is a pre-mature death.

Make sure that you include this oft-overlooked insurance to make sure that there is a continuation of your income when you need it the most.

Individual Health Insurance

Let us help you understand your options. If you are self-employed, retiring, divorced, or needing your own policy, we can direct you to the plan that offers the most value. We represent all the major insurance companies, including Anthem Blue Cross, ConnectiCare, Aetna, and United Health One (Golden Rule). Bouvier can help you to compare the benefits and costs of the different insurance plans available.

Group Health Insurance

Let us help you find a plan that fits your budget and needs. Your employees depend on you to offer benefits that they can rely on. We represent all the major insurance carriers, including Anthem Blue Cross, Aetna, ConnectiCare, Cigna, CBIA Health Connections and Oxford Health Plans. The menu of plan options is robust, ranging from traditional co-payment plans to High Deductible Health Plans. Our services include: 

  • Annual reviews with recommendations

  • Employee orientation meetings

  • Claim facilitation

  • Solving billing issues

  • Help with COBRA Administration

  • Plan Design, including Health Savings Accounts (HSA) and Health Reimbursement Arrangements (HRA)

  • Ancillary Benefits including dental, disability, life insurance, and voluntary benefits

We also offer Group Benefits such as: Human Resources & Benefit Services, Business Life Insurance, Carrier Resources, Financial Planning, Third Party Administrator (TPA) Services Coordination, Dental/Vision Insurance, Voluntary Benefits, and Disability Income. For more information, visit our Commercial Insurance page.

Let’s get you covered.