Services

Bradley J. Fiene Insurance Services offers the following Insurance Plans, but are not limited too: 

Health Whether you’re seeking Individual or Family coverage, we offer a full range of leading-edge health insurance products. Individual - Your health is a top priority, so it's important to maintain adequate medical coverage. If you are self-employed or do not currently have health coverage through your employer, we will help you find individual health insurance that is affordable, with the deductible and co-pay amounts you prefer. Family - Your family's health insurance needs change over time, as your children grow and develop. We can help you compare family health plans and find the best choice to protect the well being of your loved ones today. Group Health If you own a small business with 2 to 50 employees, we can assist in identifying the most flexible and cost-effective health insurance for small businesses. We'll also customize your plan with a selection of benefits and options to meet the special needs of every member of your team. Disability Disability insurance can replace a portion of your income when you are unable to work because of injury or illness. It protects your most valuable asset—You, and your ability to earn income. It will provide monthly payments to help meet your daily living expenses. There are two major types of disability coverage: Short term disability - It provides an income for the early part of a disability. A policy may pay benefits for two weeks up to two years. Long term disability - helps replace income for an extended period of time, usually ending after five years or when the disabled person turns 65. Life Life insurance is a tool that enables people to guarantee the financial security of those they love. Term life insurance offers death benefit protection for a specified time period. Policies are available to meet your short and longer-term needs, and some term policies can even be converted into permanent policies in the future. Permanent life insurance offers death benefit protection for an entire lifetime. It usually offers a fixed premium, generally accumulates a cash value on a tax-deferred basis and may also pay dividends. Keyman insurance is designed to safeguard the long-term success of today's businesses. The death of a key executive in a corporation or the head of a family business could seriously jeopardize a company's future. Long Term Care Long Term Care is the kind of assistance you need when you need help with personal care. The need for this assistance usually results from a disabling or long-term medical or physical condition. Long-term care service can include in-home care, as well as nursing home or community-based care. Medicare Supplements If you are like most people covered by Medicare, there are things about the federal health insurance program that you find hard to understand. You may be uncertain about what Medicare covers and does not cover and how much it pays toward your medical bills. Like many other beneficiaries, you want to know what, if any, additional health insurance you should buy.