Types of Insurance
Whether you need insurance for your business or personal life and assets, we have the experience to help you find the policy that’s right for you. We are committed to providing you with the highest level of protection at affordable prices. Check out our range of insurance packages, including Life Insurance Package, Individual Insurance Package and Family Insurance Package.
We offer coverage for all situations: Individual, family, small business and large group.
With Healthcare Reform and the industry’s ever-changing landscape, Healthcare Solutions Team still has options to choose from. Whether you are looking for better coverage, recently uninsured or it’s your first time purchasing health insurance, we will help you find a high quality, affordable plan. Depending on your budget and your need, we will custom design a plan for you. Whichever fits you best, Major Medical-ACA Compliant, Short Term, Fixed Benefit and Guaranteed Issue plans are all available to you.
We’ll protect your smile, with dental plans designed for you.
We offer traditional PPO Dental plans with co-pays and coinsurance as well as Fixed Indemnity plans with no restrictions on providers, no co-pays and no deductibles. In a simple transaction, the dental insurance you receive is guaranteed issue. Better yet? There’s no waiting period for basic and preventative services in any of our service plans. You also have your choice from thousands and thousands of dentists nationwide with our PPO Dental. Or use literally any dentist with our open network plans, anywhere in the United States, even if they don’t accept insurance.
Are you or your family protected if you pass away tomorrow or unexpected? Do you own a business, self-employed, or currently employed but your employer offers no life coverage at all? Don't delay, get life insurance now before something drastic happens and then it's too late to buy. We have simplified Term Life insurance and Whole Life insurance plans to meet your needs without having any medical exam required for approval. The approval process is quick and easy. Our team of agents will determine which plan makes more sense for your specific needs.
When you least expect it is when accidents usually happen unannounced. It's never planned so it's important to protect yourself for accidents in case they do occur. 80 percent of claims that are submitted are usually based on accidents alone. We have very easy to manage accident protection plans to help cover your deductible and any out of pocket expenses that may occur from an accident that your insurance may not cover. Most deductible plans require you to meet your deductible first, adding accidental coverage will reduce your out of pocket exposure and help you save money on such events.
Critical Illness Insurance
Are you prepared for a life-changing event such as a heart attack, stroke, cancer, or something terminal? Is your family protected knowing they are fine while you recover? Would you rather receive a get well card if such an event happens or a lump sum check to take care of you and your family? Most people don't think about these events until it actually happens. Protect yourself the proper way from the beginning and only focus on recovering to get back to your normal life. Critical illness coverage does that and more. Ask your agent for more details and to make sure you include it in your health insurance package.
From routine checkups on a regular basis to assist with the cost of glasses and contact lenses, a comprehensive vision plan can be the protection your family deserves. At HST, we realize that one size doesn’t fit all. We’re extremely knowledgeable in vision care and available plans. We can guide you through the selection process and secure coverage that will keep your eyes as healthy as possible.