Life & Health Insurance for you

 Our goal is to provide the best possible life and health insurance options. We understand that financial goals vary.

Find out how life & health insurance can fit into achieving your financial goals today. Ask an agent for more details.

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The Marketplace – Healthcare.gov 

 

Medicaid Quest & CHIP

  • A program administered by the State of Hawaii – Department of Human Services.

For more information please visit:

State of Hawaii Med-Quest

          

Medicare

For more assistance please call:

1-833-681-5622; Weekdays 

6 :00 a.m. – 5:00 p.m.  PST

 

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          This is Insure Your Love Year

          Everyone wants to protect their loved ones, one of the best ways to do that financially is with life insurance. 

          Life insurance is for “Anyone Who Loves.”

          Whether you love your spouse, partner, your children or grandchildren, your parents or a favorite charity, life insurance means they’re protected financially if something happens to you.

          Contact us today! Speak to an insurance agent for more details.

           

          Life Insurance 101

          Here are some need-to-know concepts when considering life insurance.

          1. Life insurance ensures your loved one’s financial security and peace of mind.
          2. Generally, there are 2 categories for life insurance: Term and Permanent.
          3. Term insurance provides protection for a specific period of time (ie.10, 20, 30 years). 
          4. Permanent insurance provides lifelong protection as long as the premiums are paid. Unique to whole life insurance is the cash value benefit will grow on a tax-deferred basis. 
          5. Possible to mix a life policy between term and permanent insurance. Speak to an insurance agent for more details.
          6. Conduct an annual insurance checkup to ensure your current coverage continues to meet the needs of your loved ones.
          7. Policy coverage of 10 – 15 times your annual income is recommended. Financial needs and goals vary.  Speak to an insurance agent for more details.
          8. Calculate your life insurance needs. Life Insurance Needs Calculator – Life Happens

          Depending on your financial circumstances and financial goals the amount of insurance you purchase will vary. Speak to an insurance agent for more details.

           

          • EMCKA Hawaii uses Life Happens calculator to assist consumers in assessing their needs. Life Happens is a non-profit that assists consumers in making smart insurance choice to protect their loved ones.  Please review Life Happens privacy policy.

          Insurance Protection offering security & peace of mind.

          We quote from various insurance carriers, offering the best rate & coverage possible. Tailored to meet your insurance needs.

          Contact us today for a free quote. Let us assist you with your insurance needs.