INSURANCE

There are no guarantees in life.  People get sick, hurt or even die everyday.  And while we all deal with personal loss in our own way and in our own time, there are usually financial obligations that cannot be stopped or deferred. Where will the money come from to meet these obligations? Insurance provides an answer to this question.

Insurance, at it’s most basic level, is a vehicle which allows an Entity (Individual or Business) to protect themselves or their businesses from Financial Loss via a Contract purchased from an Organization (Insurance Company) specifying payment for specified occurrences under specified conditions. The underlying principle of all Insurance is the concept of ‘Risk Pooling’.

‘Risk Pooling’ involves all insureds paying a monthly amount of money (Premium) based a a variety of Risk Factors, which is then combined with others having similar Risk Factors to create a ‘Pool’ of money to be used to pay Benefits/Claims as outlined in the policies.

FJM Benefits Advisors recognizes that these days  there is Insurance for nearly every conceivable loss.  But with so many choices how do you know what's right for You, Your Family or maybe even Your Business?  Our Experienced Team of Benefit Specialists has access to all the Major Carriers representing the most Innovative and Cost-Effective Products in the Market today. 

We'll work for you and with you to design a plan that makes the best sense for you and your Family or Business.

Please scroll down to see a partial listing from our Protection Portfolio.

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Protection Portfolio (Group or Individual)

HEALTH INSURANCE
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
        LIFE INSURANCE
       A life insurance policy is a contract with an insurance                             company. In exchange for premium payments, the                                     insurance company provides a lump-sum payment,                                   known as a death benefit, to beneficiaries upon                                           the insured's death. Typically, life insurance is                                             chosen based on the needs and goals of the                                                   owner.
DISABILITY INSURANCE
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. ... Long term disability insurance offers a worker a portion of their salary if they are unable to work for a longer period- typically a period of over six months.
CRITICAL ILLNESS INSURANCE
Critical illness insurance, also known as critical care insurance, is a type of insurance policy that compensates policyholders with a lump sum payment after getting diagnosed with a specific illness that is listed on their insurance policy.
ACCIDENT INSURANCE
Accident insurance is insurance that provides compensation for accidental injury or death. ... Accident insurance covers death, dismemberment, loss of sight, loss of income, and medical expenses caused by accidental injury. Accident insurance isinsurance that provides compensation for accidental injury or death.
DENTAL INSURANCE
Dental Insurance is an insurance coverage for individuals to protect them against dental costs. It insures against the expense of treatment and care of dental disease and accident to teeth. This plan allows a particular group of patients to receive dental care from a defined panel of dentists.