Personal Insurance

Let’s face it, we all know of the risks we face every day. However, proper risk management may help you find peace of mind.
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Life InsuranceDisability InsuranceHealth InsuranceMedicare PlansHomeowners InsuranceAuto Insurance

Life Insurance

There are many kinds of life insurance ranging from term, whole life, variable universal life, and more. To simplify, life insurance is an agreement between you (the contract owner) and the insurer (the insurance company) that states the insurance company will pay a death benefit on the life of the insured (which can be you, a spouse, or your child/dependent), barring all premiums are paid and conditions are met. Some life insurance policies contain more complex components such as riders and/or separate investment accounts. At Hollander Investments & Insurance Services, LLC, we will work with you to see which type of insurance is best for you and your family's needs.

Disability Insurance

If you work for an employer that sends you a W-2 every year, chances are you have some kind of short term disability policy available to you through your state’s government. However, short-term disability is meant to cover you for a short period of time while you recover from an acute injury, usually 3 – 6 months.

If you are lucky, your employer may offer a long-term disability policy. This type of policy is intended to start once your short-term policy runs out, and covers you for an extended period of time – which can be anywhere from 5 years to full retirement age. However, a lot of the time an employer policy will only cover a percentage of your pay, as to incentivize you to come back to work and earn your full pay.

But what happens if you cannot return to work, or if your policy does not last until your retirement age? You may be thinking you can rely on the Social Security Disability system, but this may not replace your entire income – or worse, your condition may not meet the Social Security administration’s strict definition of disability. If you have people in your life who have applied for disability, they can likely tell you how much of a headache and uphill battle this can be; one full of a lot of unknowns, and not many guarantees (and often expensive legal fees to boot).

By purchasing your own individual policy, you can be more prepared for an unfortunate event which could force your income to halt permanently. If you are the main source of income for your family, this is especially important to consider. Hollander Investments & Insurance Services, LLC can help you cut through the confusion and tailor a policy that is right for your needs.

Health Insurance

Whether you are a small business owner who doesn't have coverage through your spouse, you’re in between jobs, you’re retired but not yet eligible for Medicare, or whatever your circumstances may be, you simply do not want to be caught in a medical emergency with no medical insurance. If you are not sure where to start, or need help navigating the open marketplace, Hollander Investments & Insurance Services, LLC can help.

Medicare Plans

If you haven't noticed, our Medicare system can be quite confusing. Not only is there original Medicare parts A and B, but also parts C and D, and Medicare advantage plans. Did you know you can be penalized if you do not sign up when it is first available? At Hollander Investments & Insurance  Services, LLC, we can help you navigate this system, avoid unnecessary fees, and find a Medicare solution that is right for you.

Homeowner's Insurance

In some cases, homeowners’ insurance is required to own a home. For example, if you have a mortgage, your lender is going to require that you have homeowners insurance to protect their interest in your home. Before closing on your mortgage or refinancing, the mortgage company will ask you to provide proof that your home is adequately insured. The benefit to you is that if your home is destroyed or damaged, it can be restored to the state/value it was in prior to the event. Another benefit of a homeowners’ policy is that they usually come with added liability insurance which can help you if someone gets hurt while on your property. Please allow me to represent you as your independent insurance agent and find you suitable coverage for your unique situation.

Auto Insurance

As an independent insurance agent, I work with different insurance companies to find a rate that works for you, whether your policies are bundled or not. I appreciate you considering letting me help you with your home and auto insurance needs, and assure you I will do my best to find you the best rates available to you.
Do you know the difference between basic coverage, comprehensive coverage, etc.? Do you have a vehicle, snowmobile, classic car, tractor, motorcycle, boat or other automobile item that is precious to you? If so, are you certain you have the right coverage to protect it from a variety of vulnerabilities? A hailstorm, a fire, flooding of off-season storage, a collision; these events might all require different types of coverage. This is worth a conversation to ensure you’re protecting your assets!