203-877-1570
Toll-Free: 877-977-1570
Monday – Thursday: 9:30 a.m. – 8 p.m.
Friday: 9:30 a.m. – 6 p.m.
Saturday: 9:30 a.m. – 4:30 p.m.

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Health & Life

Basic Health Information
 
Types of Coverage
 
family in fieldShort Term
Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer term health insurance option like our individual and family health insurance plans.
 
The application process for short-term health insurance is usually simpler than standard, longer term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.
 
Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed-issue individual health plans commonly referred to as HIPAA plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.
 
Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous three to five years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.
 
Long Term
We offer plans with low co-pays for doctor’s visits and prescription drug benefits. These plans generally cover inpatient and outpatient care.
 
Types of Plans
HMO – HMOs are managed care plans that provide care for enrollees by contracting with specific health care providers to provide specified benefits. Many HMOs require enrollees to see a primary care physician (PCP) chosen by the member who will refer them to a specialist if deemed necessary.
 
PPO – If you are a member of a PPO, you will seek treatment from an approved network of providers, or you can see health care providers outside the network. These health care providers have been contracted by the insurance company to provide services at a discounted rate. Normally you can see any doctor or specialist within the network at your own discretion, and will not be required to select a PCP. Usually you will pay a small co-pay and satisfy a deductible before benefits are paid. If you go outside the PPO network for health care services, your share of the bill will be higher.
 
POS – If you are a member of a PPO, you will seek treatment from an approved network of providers, or you can see health care providers outside the network. These health care providers have been contracted by the insurance company to provide services at a discounted rate. Normally you can see any doctor or specialist within the network at your own discretion, and will not be required to select a PCP. Usually you will pay a small co-pay and satisfy a deductible before benefits are paid. If you go outside the PPO network for health care services, your share of the bill will be higher.
 
HSA – A Health Savings Account, or HSA, combines high-deductible health insurance with a tax-favored savings account, similar to a 401(k). Money in the savings account helps pay the deductible. If the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep or spend on qualified medical expenses. There is no “use it or lose it” restriction with an HSA.
 
Get an Online Health Quote

Basic Life Insurance Information
 
couple with babyWhy buy life insurance?
Topping the list of reasons to buy life insurance is the financial protection life insurance offers. If you’re single and just starting out, you may not need life insurance. But as you take on more responsibilities and your family grows, your need for life insurance increases. The proceeds from a life insurance policy can replace the income lost to your family upon your death. You might also want to buy life insurance to pay off debts and expenses, leave money to charity, and cover final and estate expenses.
 
Choose term or cash value.
There are two basic types of life insurance: term life insurance, which provides life insurance coverage for a specified period of time (the term), and cash value (permanent) life insurance, which combines a death benefit with a cash value component. Cash value insurance offers lifetime protection, while term insurance may be the most affordable option if you’re buying life insurance mainly for the financial protection it offers, and your need for life insurance is temporary (until your children leave the nest, for instance). Some term policies (called “convertible”) will permit you to exchange the term life insurance policy for a permanent one at some point.
 
Decide how much coverage you’ll need.
The amount of life insurance protection you should buy depends on how much income your survivors will need, how much you own and owe, and the amount of other life insurance available to you. If you’re married, both you and your spouse should consider buying life insurance. One of the easiest ways to estimate how much life insurance protection you should buy is to use a life-insurance-needs calculator.
 
Pick a number between one and 30.
Term life insurance is usually offered for periods ranging from one to 30 years. Consider choosing a term that matches your need for life insurance protection. For instance, if your main reason for buying life insurance is to protect your seven-year-old twins until they’re out of college, you’ll want to buy a policy with a term of at least 15 years.
 
How much will it cost?
How much you pay for life insurance will depend on a number of risk factors, including your age, your health, whether you use tobacco, your family health history, and the type and amount of life insurance you’re buying. Keep in mind that the premium you’re quoted initially will increase later. For instance, when you buy term life insurance, rates are guaranteed only until the end of the term (annually for an annual renewable term or at the end of a specified number of years for level term). While most life insurance policies can be renewed at the end of the term, you’ll pay a higher premium for coverage.
 
Get an Online Life Insurance Quote
 
Please note: We cannot bind coverage from this e-mail. Coverage is bound after you receive an e-mail or telephone call from one of our agency’s staff members.

We would appreciate it if you would take a few moments to answer the following questions. Please be assured that we do not share or sell personal information about you except when we have your permission.
First Name
M.I.
Last Name
Address Line 1
Address Line 2
City
State
Zip Code
Bold = Required Field
Person To Be Insured
Date of Birth
Gender
Marital Status
Height
Weight
Has this person used any tobacco products in the past 12 months?
Is this person an expectant mother or father?
Select any of the following that the person to be quoted has been diagnosed with (in the past 10 years):
If you've selected any of the above, please provide date of onset, diagnosis and current status:
Does this person take any medications?
If you answered "Yes" to medications, please list medication name and dosage:
Does this person have any immediate relatives who have ever had heart disease?
Does this person have any immediate relatives who have had any form of cancer?
Has this person been a U.S. or Canadian resident for at least 12 months?
What is this person's highest education level?
Past or Present Military Experience
What is this person's occupation?
Do you need to add another person to be quoted (including children)?
Type of plan?
HMO
PPO
POS
E-Mail Address
Phone Number
Zip Code
City
Address
Last Name
First Name
Contact Information
State
HSA

Douglas P. Harrigan, C.F.P.
1201 Boston Post Road
Milford, CT 06460
(Post Mall, Lower Level)
203-877-1570
Toll-Free: 877-977-1570
harrigan@snet.net
Monday – Thursday: 9:30 a.m. – 8 p.m.
Friday: 9:30 a.m. – 6 p.m.
Saturday: 9:30 a.m. – 4:30 p.m.

We would appreciate it if you would take a few moments to answer the following questions. Please be assured that we do not share or sell personal information about you except when we have your permission.
First Name
M.I.
Last Name
Address Line 1
Address Line 2
City
State
Zip Code
Bold = Required Field
Person To Be Insured
Date of Birth
Gender
Marital Status
Height
Weight
Has this person used any tobacco products in the past 12 months?
Is this person an expectant mother or father?
Select any of the following that the person to be quoted has been diagnosed with (in the past 10 years):
If you've selected any of the above, please provide date of onset, diagnosis, and current status:
Does this person take any medications?
If you answered "Yes" to medications, please list medication name and dosage:
Does this person have any immediate relatives who have ever had heart disease?
Does this person have any immediate relatives who have had any form of cancer?
Has this person been a U.S. or Canadian resident for at least 12 months?
What is this person's highest education level?
Past or Present Military Experience
What is this person's occupation?
Is this individual a private pilot or student pilot?
Does this person engage in scuba diving, skydiving, rock climbing, motorized racing, or any other hazardous avocation or occupation?
Has this person been convicted of drunk driving in the past seven years?
Has this individual's driver's license been suspended or revoked in the past seven years?
Been convicted of two or more moving violations in the past three years?
Have you ever been convicted of, or are now awaiting trial for a felony?
In the past five years, have you filed for bankruptcy?
If you answered "Yes" to any of the above seven questions, please provide any further information you feel would help explain your answer:
Contact Information
First Name
Last Name
Address
City
State
Zip Code
Phone Number
E-Mail Address
How often do you participate in a regular exercise program?
Rarely
Once a Week
Twice a Week
Three or More Times a Week
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