Individual Benefits

individual pageIndividual Dental/Vision:

Can be written over age 65; up to $1,500 per year coverage; allows for the addition of  vision insurance rider.

Final Expense Plans:

Available through age 85; up to $250,000.

Annuities and 401K Plans:

Both fixed and variable; large and small; 401k for both groups and individuals.

Rapid Decision Term Plans:

Up to $500,000; 10,20 and 30-year term; no medical underwriting; no aps, no tests; up to age 75; underwritten within 24-48 hours; on-line application system for submitting business.

Affordable Accidental Death Plan:

With return of premium in 20 years while coverage doubles; 50k, 75k and 100k available; same premium at every age; guaranteed issue; short application; no medical questions.  higher limits available up to $500,000.

Individual Long & Short-Term Disability Plans:

For both blue and white collar markets; farmers, teachers; (no offsets for public sector workers); special discounts for qualified associations; guarantee issue to certain groups of 10 or more; coverage to age 67 with non-disabling benefit feature.

Long Term Care Insurance Plans:

Both traditional as well as “modified” plans available, with special underwriting allowed. Short term care and nursing home only plans available also.

Business  Overhead Expense Plans:

For qualified business owners; both blu collar and professionals; special discounts available to qualified associations.  Extremely high limits of coverage available.

Term Life Insurance Plans:

With return of premium riders available.

ClearValue Healthcare Hearing Benefit Plan

Whether you are associated with an existing hearing aid discount company or are considering including hearing healthcare in your benefits package ClearValue Hearingis the premier program in hearing healthcare for organizations, insurance groups and businesses.

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LICOA Brokerage Service Incorporated

A wholly owned subsidiary of Life Insurance Company of Alabama.
Dedicated to providing products and services to our agents and their clients.

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Larry Culver, CLU
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205-422-4389  /  800-532-0853