Benefits for Individuals

 Fowler Insurance offers benefits that cover all of your needs to give you and your family peace of mind for all stages of life. 

A term life insurance policy is a type of life insurance that provides coverage for a specific period of time, or “term,” such as 10, 20, or 30 years. If the insured person passes away during that term, the policy pays a death benefit to their beneficiaries. 

 A universal life insurance policy is a type of permanent life insurance that provides lifelong coverage while also building cash value over time. It offers flexible premium payments and adjustable death benefit options, allowing policyholders to make changes as their financial needs evolve. 

 An Individual Retirement Account (IRA) is a personal retirement savings account that allows individuals to save and invest money for retirement while receiving certain tax advantages. Depending on the type of IRA, contributions may be tax-deductible or withdrawals in retirement may be tax-free.

IRAs are commonly used to help individuals build long-term retirement savings through investments such as stocks, bonds, mutual funds, and other financial assets.

A mutual fund is an investment vehicle that pools money from many investors to buy a diversified mix of stocks, bonds, or other securities.

Instead of picking individual investments yourself, you buy shares in the mutual fund, and a professional fund manager makes investment decisions on behalf of all the investors.

An annuity is a financial product offered by insurance companies that is designed to provide a steady stream of income, often used in retirement.

You typically contribute money either as a lump sum or over time, and in return, the insurance company agrees to make payments back to you later—either for a set period or for the rest of your life.

The main purpose of an annuity is to help turn savings into predictable income you can’t outlive.

 Disability Insurance is a type of coverage that replaces a portion of your income if you become unable to work due to an illness or injury.

 Global Travel Health Insurance is a type of insurance that provides medical coverage when you are traveling outside your home country.

It helps pay for things like doctor visits, hospital stays, emergency treatment, and sometimes medical evacuation if you get sick or injured while abroad.

The main purpose is to protect you from high medical costs and ensure you can access care while traveling internationally.

 Coverage that helps pay for healthcare costs when you get sick or injured.

It typically covers services like doctor visits, hospital stays, prescription medications, preventive care, and sometimes surgeries or emergency treatment.

Coverage that helps pay for the cost of dental care and treatments.

It typically covers services like routine cleanings, exams, X-rays, fillings, and sometimes more complex procedures such as crowns, root canals, or extractions.

Coverage that helps pay for eye care and vision-related expenses.

It typically covers routine eye exams, and may also help with the cost of glasses, contact lenses, and sometimes discounts on corrective eye surgery.

Coverage that is offered to individuals who are age 65 and older in conjunction with Medicare part A and part B. We can help get the right plan for you as well as offer assistance with signing up for Medicare part B.