Health & Financial Services

Our agency offers a complete line of insurance and financial products and services ranging from life and disability income to group life and health insurance. These products and services are designed to provide solutions to your personal and business financial needs, including:

• Medical Insurance
• Group Health
• Individual Health
• Individual Life
• Buy / Sell Protection
• Key Person Coverage
• Long-Term Disability

Medical Insurance

Employees have three medical options: Preferred Provider Organization (PPO): allows employees to use any physician in or out of the network. Benefits are paid in accordance with the provider selected.

Exclusive Provider Organization (EPO): employees choose their physician from a list of approved EPO providers. This plan is offered nationwide wherever EPO networks are available.

Our PPO and EPO plans are built around health care networks and a high level of coverage for using network providers. There are no "gate keepers." Therefore, primary care physicians and referrals to specialists are not necessary. You have the freedom to choose any physician in the network any time.

Group Health

At Padgham Insurance, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

With the changing face of health insurance in today's market, we at Padgham Insurance are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.

We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.

Individual Health

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families. Padgham Insurance offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

Individual Life

Life insurance from Padgham Insurance can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

Padgham Insurance offers a variety of life insurance products, including permanent, term, variable, flexible and whole life policies.

Buy / Sell Protection

If you have a partner in business, you have a need for insurance so that in the event of death or disability, you can buy out your partners interest without having to take out a loan or liquidate company assets. This is also important where children and taxes are involved.

Key Person Coverage

Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.

Long-Term Disability

Disability insurance replaces your income should you become disabled and unable to work. Many people have some form of disability insurance through their employer. The employers' policy may not be just what your need. In this case, you will probably want to supplement the employer's policy with an individual policy of your own.