One of the greatest gifts you can give to your family is the peace of mind that they’ll be cared for if—someday—you cannot. Though it is unpleasant to think about, life insurance is necessary for the financial stability of your spouse and children in the event of your passing.
Consider both term life insurance and whole life insurance in order to determine what type of policy is right for you. Term life insurance will cover you for a set period of time, giving you low premiums and reliable coverage. Whole life insurance offers coverage for life, and while the premiums are higher than those for term life insurance, the policies have equity and cash value. These two types of coverage can be combined into one policy to safeguard your family, should anything happen to you.
Health insurance is now mandatory under the Affordable Care Act (ACA). While many businesses in Maine offer their employees competitive, sponsored insurance plans, some companies do not. If you are self-employed, you are likely searching for insurance for yourself or your family, and W.J. Wheeler can help. Not everyone has the same medical needs, and our agents can help you find the policy that covers you in all the ways you need it to. Whether you have a chronic illness or haven’t had a cold in years, finding the right health insurance policy is crucial for your family’s well-being.
Long-term Care Insurance
As we age, the need for long-term care becomes more and more evident. The only thing worse than ending up in a nursing home is ending up in a sub-par, poorly run nursing home because it’s the only one within your budget. Worse yet is receiving no medical attention at all because you can’t afford even the most basic care.
Long-term care insurance is there when general health insurance fails us. Health insurance and Medicare will not cover the costs of long-term care, potentially leaving us high and dry when we are elderly and need help the most. A comprehensive long-term care plan will help keep you as comfortable as possible during the time in your life when you are unable to care for yourself.
Should a disability leave you unable to provide for yourself or your family, disability insurance will be the thing that puts food on the table and keeps a roof over your head. Personal short-term and long-term disability policies aren’t tied to your job, so you’ll be covered no matter where you work. They’ll ensure that a disability won’t leave you with little or no income, and both policies can be tailored to fit your particular needs.
Health is often something we take for granted, but, unfortunately, our good health may not always be with us. It is imperative that we plan today for what may happen tomorrow. Contact W.J. Wheeler Insurance Agency at 207-743-8927 to discuss your life and health insurance options. Peace of mind may be more affordable than you think!
International Insurance Plans
We know that the reasons to travel abroad are many and varied – that’s why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.
Just scroll down the page to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the “Download a brochure & application” link associated with each product. Once you have determined which plan best fits your needs, click on the “Quote/Buy Insurance” link and you can complete the simple and easy-to-follow application.