Products & Services

what we’re offering

Providing all the insurance services for you

Life Insurance & Retirement Planning

FIT Insurance offers personalized Life Insurance & Retirement Planning services, crafting tailored policies and strategies for seamless implementation toward financial security.

Health Insurance

FIT Insurance offers personalized policy planning and strategic guidance for Medicare insurance and Medical Supplements to ensure comprehensive health coverage tailored to individual needs.

Future Planning & Protection Consultation

FIT Insurance offers personalized Future Planning & Protection Consultation services to safeguard your financial future with tailored policies and expert guidance.

Our Products

Life Insurance & Retirement Planning

Indexed Universal Life (IUL)

FIT Insurance offers personalized Life Insurance & Retirement Planning services, crafting tailored policies and strategies for seamless implementation toward financial security.

Flexible death benefit

Flexible premium

Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500

Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index

Term Life Insurance

Protect your family or business for the term period of your choosing at a competitive premium. Our term polices offer conversion privileges and rapid underwriting. This coverage makes sense for those who have budget limitations, large protection needs or temporary need. These policies offer:

Guaranteed death benefit for a fixed period

Fixed premium

No cash value

Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured. o Initial premiums tend to be lower but will eventually increase

Whole Life Insurance

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation. These policies offer:

Guaranteed death benefits

Guaranteed cash value

Level premiums that are guaranteed to never change.

Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company

Annuities

An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.

Guaranteed Issue Whole Life Insurance (GIWL)

Flexible & Affordable Options are Available

A small whole life insurance policy with no health qualifications. Reasons clients are compelled to buy GIWL include:

Client prefers not to take a medical exam

Client doesn’t want to burden others with final expenses

An additional, easy to get, modest legacy for loved ones

Desire for permanent protection – i.e., won’t go away in 10, 15, or 20 years

Client living on fixed income who requires non fluctuating payments

6 in 10

Americans live with at least one chronic disease

40 Seconds

A stroke occurs every 40 seconds in the U.S.

38.4%

of men and women will develop cancer in their liftime

#1 Reason

households file for personal bankruptcy is due to medical debt

Premier Options

An affordable life insurance option made simple – no medical exam, no health questions, and acceptance is guaranteed.

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Our Products

Health Insurance

Customized Insurance Plans

FIT Insurance offers personalized policy planning and strategic guidance for Medicare insurance and Medical Supplements to ensure comprehensive health coverage tailored to individual needs.

Health Insurance Plans as low as $0* per month (*after subsidy)

Plans with No Copays and No Coinsurance

Choose your deductible

Guaranteed renewability

Toll Free Concierge Service

Up to 6 chiropractic visits per person per year

Ability to build a custom plan tailored to your needs

Nation’s largest network so you don’t have to be concerned about high out of network cost

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Our Products

Future Planning & Protection Consultation

If 2020 has taught us anything, it is that we should all expect the unexpected. The important thing is how do we handle the unexpected or better yet, can we plan for it?

FIT Insurance offers personalized Future Planning & Protection Consultation services to safeguard your financial future with tailored policies and expert guidance.

Final Expense Insurance

A type of whole life insurance designed to cover medical bills and funeral expenses.

Death Benefit Up to $30,0001

Guaranteed Coverage— you can be covered no matter your health history

No Medical Exam Required— just answer a few simple medical questions

Lifetime Protection— you will never have to worry about losing your coverage

Rates Never Increase— the affordable monthly rate you start at will be the same rate you will pay for the life of the policy; your rates will not increase or be cancelled because of age or health

Thinking about final expenses is usually not easy. It can be a difficult task that many people would rather not think about. But, consider this: A traditional adult funeral, including a casket and vault, costs $8,700 on average. The additional expenses of flowers, limousines, and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000.

How will your bills and funeral expenses be paid?

Who will pay for any hospital or outstanding medical bills?

Could your family afford to pay for these bills without sacrificing their retirement or other savings?

Why not give your family the gift of life insurance to help protect them from having to spend their hard-earned savings on your final expenses.

It can be surprisingly affordable and can help provide you with the comfort and security in knowing that you may not leave them with a financial burden.