Variety Insurance & Financial Consulting helps individuals in Cleveland, Ohio and surrounding areas find the best products possible.
What We Do
WHAT IS LIFE INSURANCE?
Life insurance pays out a sum of money either on the death of the insured person or after a set period of time. Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let’s explore options to protect your loved ones.
Other features of this product include:
OUR SERVICES COVER THE FOLLOWING AREAS
WHAT IS MORTGAGE PROTECTION?
Mortgage Protection is a type of insurance policy that will pay off or cover your monthly mortgage payments in the event of serious illness injury, disability, unemployment or death.
Mortgage Protection protects you, the homeowner and should not be confused with Private Mortgage Insurance or PMI; which covers the lender only in the event of you defaulting on your mortgage.
What Does It Do?
You select the amount of coverage you need and the level premium period that most closely matches your mortgage. You have the option of a 15, 20, 25, or 30-year level premium period. The death benefit remains level for the entire term.
In the event of your death, the benefit is paid directly to your beneficiaries. They can use the money to pay off the mortgage or to help with any other financial need.
WHOLE LIFE INSURANCE
Whole life insurance is a commonly referred to as “permanent” life insurance. This means that the insured person is covered for the duration of their life as long as premiums are paid on time.
Like most permanent life insurance policies, whole life offers a savings component called “cash value.”
Final Expense insurance is a basic issue life insurance policy that covers people until they reach 100 years old. It is quite similar to universal life insurance and is sometimes referred to as graded life or burial insurance with easy issue permanent coverage.
As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices.
Final Expense coverage can pay for the casket, funeral service, visitation/viewing, hearse, digging and filling the grave, the actual cemetery plot, or burial vault or grave liner, minister, headstone, flowers, and other expenses related directly to named insured’s funeral.
ANNUITIES & RETIREMENT PLANNING
Using Annuities to Make Your Retirement Funds Last.
The conundrum of retirement finances continues to vex those planning for a future with little steady income. If you draw out too small an amount each year, you’ll have lived more frugally than necessary. If you withdraw too much money, then you may exhaust your funds.
With some forethought and planning, you can set up an annuity to aid you in stretching your retirement dollars throughout your lifetime.
Have you considered securing your retirement future using annuities to make your funds last?
HEALTH, DENTAL & VISION INSURANCE
Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.
Coverage designed to pay a portion of the costs associated with dental care such as preventive care, routine checkups, and restoration services.
A typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.
MEDICARE ADVANTAGE & MEDICARE SUPPLEMENT (MEDIGAP)
A Medicare Advantage Plan is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide both Part A and B benefits. These type of plans cover all the services that Original Medicare covers except hospice care. Medicare Plans offer extra coverage such as: vision, hearing, dental and/or health and wellness programs.
Medicare Supplement (Medigap)
Medicare supplement insurance can help pay some of the healthcare costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.
Some policies offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.
Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that ensures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.
Is Your Income Protected if You Become Disabled?
You likely have life insurance. You know that your family will be okay should your life end prematurely. But what if you become disabled? There’s a good chance that you don’t have sufficient resources or insurance to replace lost income if you find yourself unable to work. Most Americans fail to consider the ramifications of short or long-term disability.
If you’re self-employed, the likelihood that you have sufficient disability protection is even less. Disability insurance is pricey, yet imperative, unless you have the financial resources to survive without an income for an extended period of time.
LEGAL SHIELD SERVICES
Who We Are
Our mission for over 45 years has been to be an innovator and disrupter in the market of legal services. In a perfect world, you’d never need a lawyer, but in an unpredictable world it helps to have a unique delivery model giving you direct access. LegalShield has made smart legal coverage simpler, easier and more affordable.
A Team Of Lawyers
We’re taking legal representation and making it; accessible, affordable, full-service coverage. LegalShield has a network of dedicated law firms in 50 states and 4 Canadian provinces made up of seasoned lawyers with an average of 22 years’ experience. Our Provider Law Firms provide legal protection to over a million members, even in covered emergency situations, 24/7/365 days a year.
For one low monthly cost, LegalShield puts an attorney in the palm of your hand. LegalShield created a model for legal coverage in which you know exactly what you’re getting and precisely how much you’re paying for it. Once you sign up, you can sit back, relax, and know you’re covered by an entire law firm.