Modern society is precarious. As a wage earner, you do not know how tomorrow will turn out. Whatever the situation, we are here to offer comprehensive insurance coverage to ensure your family and your health are well taken care of.
At Skeele Agency Inc., we have provided life, investment, and health insurance packages to thousands of families since our launch in 1958. Throughout the same period, we have seen families torn apart by strife when the primary wage earner is bedridden or passes away. It is for this reason that we provide the widest range of insurance quotes for every investor or household in New York.
Life Insurance
At Skeele Agency, Inc., we understand that while you love your family dearly, you may not always be there. We advise you to get life insurance today to protect your family in the event of a tragedy. It is not a pleasant topic to think about, but you have to consider how your family would fare if you were not around anymore. There are many benefits of this type of life insurance coverage, including the ability to borrow against the cash value, keeping the policy until you are 100 years old, and tax-deferred growth – because you don’t pay taxes on interest, dividends, or capital gains until you withdraw these proceeds.
We offer different types of life insurance including:
Term Life
This policy provides coverage for a specified period and doesn’t accumulate cash value.
Permanent Coverage
This policy covers your remaining lifetime. It includes whole life that builds value based on a schedule and you will know the exact value of the policy on each anniversary. You can also opt for universal life insurance that earns a fixed interest rate on the cash value.
We understand that every family differs, and when you talk to our insurance agents, we will be able to propose the best life insurance coverage for you based on your unique needs.
Investment Insurance
If you have been looking for an ideal investment option, we recommend that you use whole, universal, or variable universal life policies. Unlike term policies, part of your insurance money is invested and can be borrowed tax-free for retirement or to pay for your children’s college education fees. We will help you look at what you need based on your family situation to make the right choice of insurance as an investment.
Health Insurance
From Medicare, vision insurance, and other specialized coverages, we work with the best insurance carriers in the industry to offer you the best plan.
Our health insurance coverage features a deductible, which is the amount you will have to pay in a year before the insurance policy kicks in. We also have different coinsurance arrangements based on your unique needs. This is the percentage amount you share with the insurance company. Once your out-of-pocket limit is reached for the year, the insurer covers the rest of the bill. We also have co-payment arrangements where you pay a specific flat rate for every medical service while the insurer pays the rest.
We know all this might sound confusing, but we are here to help. We have offices in Cazenovia, Chittenango, DeRuyter, Manlius, Moravia and Waterville. Contact us today and secure your family’s health and future.
