Life & Health Insurance Services

Hayward Financial Services, Inc., can assist with your insurance needs at every level.  Especially in consideration of Health Care Reform, we are able to provide professional assistance to both individuals and companies to navigate health insurance coverage issues.

Below is a basic review of the insurance services we provide:

Medical Insurance:

  • Evaluating individual or group medical benefits
  • Provide a review and quotes from all providers for Health Insurance
  • Dental and Vision Coverage
  • Transitioning from COBRA to an individual plan
  • Referral for Medicare benefits review

Life Insurance:

  • Determining how much life insurance is needed
  • Utilizing maximum funding techniques to provide supplemental retirement income or college tuition income
  • Evaluating the structure of insurance policies for business owners and key employees such as Executive Bonus Plans (Section 162) and Buy/Sell Agreements
  • For estate planning

Long Term Care Insurance:

  • Preserving assets through individual long-term care policies     
  • Providing assistance to family and care givers

  Disability Insurance:

  • Assists in the event of an illness or accident resulting in a disability