Stuhl Miller Insurance Services Provides Insurance Agency, Term Life Insurance, Life Insurance, Health Insurance, Disability Insurance, Medicare Advantage, Long Term Care Insurance, Business Insurance, Financial Planning, Estate Planning Services to the Bismarck, ND Area.
Annuity Plans
Business Insurance
Disability Insurance
Estate Planning
Financial Planning
Health Insurance
Insurance Agency
Liability Protection
Life Insurance
Long Term Care Insurance
Medicare Advantage
Term Life Insurance
Umbrella Policy
Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually need it. In the meantime, the only way you will feel comfortable with your life insurance policy is if you understand, and agree with, the reasons you bought it in the first place.
Permanent life insurance provides lifelong protection and is known by a variety of names. These policies are designed and priced for you to keep over a long period of time. If you don't intend to keep the policy for the long term, it could be the wrong type of insurance for you.
Health Insurance
Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.
Disability Insurance
Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
Long Term Care
Many people do not know about or understand all the long term care options that are available. The following are brief descriptions of the major types of long term care, the kinds of service you may need, the ways of paying for long term care and how to find the best services and facilities...
That results from a sickness or injury for which benefits are provided under any state or federal worker's compensation law;
Commercial Liability Insurance
Generally, commercial liability insurance, whether purchased in a separate policy, or as part of a standard business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person (other than an employee) injured at the business or as a direct result of the operations of the business are also covered.
Life and Health Insurance, IRA and Pension Rollovers, Tax Deferred Annuities and Financial Planning. Please use this site for your information and call us if we can be of any help to you at (701) 224-8282.