Welcome to The Sayre Group Quality Insurance
Here at The Sayre Group we offer many different products and services to you. There are many different kinds of insurances available to you all in one place! You dont have to go looking for all your insurances. We can help you find exactly what you need for a great price and get you covered today!
Life Insurance Policies
There are three main types of life insurance policies you can choose to cover yourself with , Term , Whole Life and Universal Life.
TERM LIFE INSURANCE
Term life insurance provides protection for a limited period of time. Depending on the policy selected, coverage can last until you reach age 65,
or for a period of 10,15, 20, or even 30 years.
With term life insurance, you can match the length of your policy to your specific need
An ideal time to buy life insurance is when you're healthy because you'll pay less.
it can be quite comforting to know that you've considered all aspects of your life and are ensuring your loved ones are in good hands.
offer a death benefit—the amount paid to your beneficiaries when you die.
Term Life Insurance is the most affordable way to protect your family's financial security if something happens to you.
In most cases, Term LIfe Insurance proceeds are tax-free. Consult with your tax advisor if you have any questions
The money your beneficiaries receive can be used to pay your final expenses, take care of debt and cover the mortgage or rent.
At the end of each term, the insured may renew the policy (generally at a higher cost) up to age 95.
WHOLE LIFE INSURANCE
whole life policies that can be paid with a single premium, premiums payable to 100, or somewhere in between.
Whole life policies also provide for the accumulation of cash value on a tax-deferred basis.
Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.
Whole life provides for a family’s loss of income, mortgage costs, and educational needs.
It also allows access to cash value for life’s opportunities, Leaving a legacy for the next generation.
Whole life insurance offers a combination of permanent life insurance protection, cash value accumulation, guarantees and income tax advantages. A whole life insurance
policy can be a versatile financial asset that may help you address a variety of financial needs during various stages of your life.
Guaranteed death benefit
Guaranteed premiums
Guaranteed cash value that accumulates on tax-deferred basis
“Living Benefits” – utilize the cash value of the policy for a number of financial needs*
Optional disability Waiver of Premium Rider is available for an additional cost
types of whole life insurance are traditional whole life policies, universal and variable.
A level premium and coverage as long as you continue to pay
Permanent insurance protection over an individuals lifetime
UNIVERSAL LIFE INSURANCE
Flexible coverage & flexible premiums.
Permanent protection and flexibility.
life insurance changes along with your life.
This flexible policy allows you to raise or lower your coverage-and your premiums-to fit your needs. It even builds cash value that you can use during your lifetime.
Add even more value to your policy by buying optional riders. Universal life insurance also incorporates a savings vehicle.
It is like combining a term life insurance policy with a tax-deferred interest accumulating savings account. You can build your policy's cash value, or pay a lower premium and focus more on guaranteed protection.
An option for a lifetime of guaranteed monthly income for your beneficiaries.
Cash value growth is based on periodically-declared fixed interest rates.
Auto Insurance Policies
We also offer competitive Auto Insurance Policies.
Auto insurance rates as low as possible through disciplined underwriting.
Bodily injury liability: Coverage for your legal fees, court costs and compensation due to bodily injury claims brought against you.
Medical payments: Coverage for medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident. (Auto
insurance coverage varies by state.)
Property damage liability: Coverage for your legal liability for property damage claims brought against you.
Collision: Coverage for damage to your auto and its equipment caused by collision or upset.
Comprehensive: Coverage for damage to your car and its equipment not caused by collision or upset. This includes, damage from fire, theft, glass breakage, vandalism and
damage that results from contact with persons, animals, birds or falling objects.
Uninsured and under insured motorist coverage: Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has
limits which are insufficient to cover your damages
Health Insurance And Legal Coverages
HEALTH INSURANCE
Medicaid provides health care for low-income children and families, and people with disabilities. Covered services usually include doctor visits, hospital care, vaccinations, prescription drugs, vision, hearing, long-term care, and preventive care for children.
Medicare is a government health insurance plan for people 65 or older, people under 65 with certain disabilities, and people with end-stage renal disease.
Medicare helps to pay for care in hospitals, skilled nursing facilities, hospice care, and some home health care.
Coverage can also include doctors’ services and prescription drugs.
preserve their health coverage by taking the initial step of extending their employer-sponsored health benefits through COBRA.
The Consolidated Omnibus Budget Reconciliation Act of 1985 allows workers to extend those benefits for up to 18 months after leaving a job.
buy an individually underwritten policy on the open market.
Most bankruptcies in this country are caused by unexpected medical emergencies combined with inadequate protection.
You buy health insurance for the same reason you buy other types of insurance – to protect your family.
Hospitalization
Accidental Injury
Outpatient Surgery
Extended Care
Intensive Care
LEGAL COVERAGE
we can negotiate legal services with law firms throughout North America at a fraction of what they traditionally cost.
provide 24/7 access for emergencies.
legal protection in a number of areas, including: Real Estate
( Purchase, Refinance, Foreclosure, Landlord/Tenant) , Consumer Finance
( Collections, Warranties, Guarantees, and Other Contracts ) , Family Law
( Divorce, Child Support, Child Custody ) , Estate Planning
( Will, Living Will, Power of Attorney ) , Traffic Issues
( Moving Violations, Accidents ) , and others.
This legal plan gives your employees direct toll-free access to a carefully selected Provider Law Firm.
Employees don't merely shop employers. They shop benefits. Help your employees take steps to protect their personal and financial well-being with this exceptional product.
No long-term contract
No claim forms
No deductibles
No time-consuming administrative duties
No cancellation forms
Once a month billing. Great Electronic enrollment and paperless billing options. One rate for any size family. Portable benefits. For one low monthly fee, a highly qualified local attorney will champion your cause whenever the need may arise. Our Legal Copverage offers business plans for home-based, self-employed, and small businesses with up to 99 employees. The business plan includes Business Law
( Incorporation, insurance, joint ventures, governmental compliance ) , Document Review
( Vendor contracts, equipment leases, purchase agreements ) ,
Legal Correspondence
( Cease and desist or other letters written on your behalf ) ,
Financial
(Small claims, collections, creditor harassment ) , and other related matters. The legal plans also offer ID theft protection, Credit Reports, Continuous Credit Monitoring and Identity Restoration .
MORTGAGE PROTECTION
Owning a home is the largest source of personal debt.
This plan is a specialized life insurance policy designed to pay off that debt in the event of your death.
It protects a homeowner and family at a fixed rate of payments for a limited period of time.
A death benefit can be paid to the surviving family members. Family can use the funds to pay off the balance of the mortgage. Mortgage protection can be contrasted to permanent life insurance.
Pure income replacement needs for an individual.
A fatal accident today would force your loved ones to immediately experience financial hardship.
Eases the financial burden of your loved ones.
With mortgage protection your Home is paid for no matter the circumstances.
You can receive a free mortgage protection insurance quote today.
We can develop a plan that fits your budget and coverage needs.
We have highly skilled mortgage protection specialists to help you today.
The plan covers your mortgage if you lose your job or become disabled, or it pays off your mortgage when you die.
issued on a "guaranteed acceptance" basis.
It's also valuable for people who work in high-risk occupations, such as roofers, who usually can't get disability insurance.
SENIOR FINAL EXPENSE
“Living Benefits” – utilize the cash value of the policy for a number of financial needs.
Optional disability Waiver of Premium Rider is available for an additional cost.
Some costs associated with burial include:
Cemetary Plot , Casket, Headstone and Engraving, Funeral Service, Wake/Visitation, Minister, Transportation, Legal Fees, probate costs, Physician and Hospital bills, Debts outstanding, Mortgage pay-off, car loans, credit card balances
proceeds from a death benefit to pay for your burial, final medical costs and funeral costs. just enough to pay immediate costs.
even those on strict limited budgets may be able to afford it.
pays out the death benefit within 24 hours (in most cases) of your death.
no requirement of a medical exam to obtain burial expense insurance.
variety of face values so you can select the amount of coverage you need.
those final expenses that they need to have the funds for right away.