It is never a pleasant thing to think about negative possibilities. However it is always the right thing to protect your self and your family from the effects of these possibilities. Innovative Benefit Solutions has all the right tools, including calculators to help you understand what the right amount of protections is needed for your situation. We are here to help educate you and answer any questions you may have, so you feel comfortable and confident in the decisions you make.

Life Insurance
Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holder’s death. In general, it is an essential component in planning for the future. There are many options with coverage, depending on your situation. The three main categories of life insurance are: term life, universal life, and whole life insurance
 
Disability Insurance
Disability coverage provides wage replacement to individuals who experience wage loss due to a disability. For more information click on Disability Insurance/Income protection.
 
AD&D
Accidental Death and Dismemberment insurance provides protection in cases of serious injury or death resulting from an accident.
 
Dental Insurance
Dental Insurance behaves much like health/medical insurance, with deductibles and co-payments, as well as HMO’s, PPO’s and Traditional coverage. Dental plans usually cover three different areas in different ways; Preventive, Restorative, Constructive.