SERVICES

HSK has agreements with many of the industry’s most well-known and trusted carriers.  This allows us to craft coverage that provides for all of our clients needs.  Our portfolio includes Health, Life, Supplemental and Medicare products.

Finding and purchasing health insurance coverage that is best suited for you and your family can be a burdensome task.  At HSK Insurance Solutions, we make this process easy.  Our agents have access to a vast portfolio of top-rated carriers and plans, with the goal of finding the option that not only meets your needs,  but also stays within your budget.  

 

Some of the many items our agents can help explain:

Choosing between PPO, HMO, EPO   -   High vs. Low Deductible Plans   -   Platinum/Gold/Silver/Bronze plans.

Copay vs. Non-Copay plans.    -   Understanding how the ACA laws effect you.   -   Open Enrollment Deadlines

Finding the carriers your doctor accepts.  -   Prescription card tiers.   -   Health Savings Account options.     

 

 

 

Life Insurance

If your loved ones depend on you for financial support, you understand the financial burden that can be placed on them if you suddenly were no longer there.  Life insurance helps protect your loved ones' by ensuring the financial resources needed are there for the.  We offer several differnent types of life insurance, many of which can be approved quickly with simplified underwritng.

 

Term Life:  Pays a death benefit if the insured person dies within the term of the policy. Plans may be "simplified issue" or "fully underwritten".  Terms typically range from 10 to 30 years. 

 

Whole Life:  Offers guaranteed level premiums and protection for as long as you live, provided that premiums are paid as required. Whole Life policies also provide accumulate a cash value on a tax-deferred basis which can be used when you need it.

 

Final Expense:  A Whole Life policy that is an affordable way to provide the financial resources needed to cover funeral costs, other final expenses or debts.  No physical needed, level premiums for life. 

 

 

 

Supplemental Coverage

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Medicare

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If you are a business looking for group health insurance coverage, please contact us by clicking here.

Customer Examples: 

"We were able to get a client who was a 45 year-old male, a $500,000 10-year Term Life policy for less than $37 a month. "

 

"We secured a 50 year-old female a $350,000 20-year term life policy for less than $50 a month."

Health Insurance