Frequently asked questions (FAQs)

Scroll through the list of FAQs below. If you don’t see what you need, call us at 800.259.0455, email us or start an online chat. As always, we’ll be here when you need us.


Q: Should I get a plan that covers accidents?
A: If you’re active and single (or just married) a plan like AIG’s EmergencyCare™ Insurance can really help protect your finances and future.

Q: If I’m disabled, how will I pay my bills?
A: A disability plan, long-term care policy or another benefits plan can help pay the bills and even care for your needs should you become hurt or disabled.

Q: Do I need more healthcare than my employer provides?
A: With ever-rising healthcare costs and the need to provide people with affordable options, insurers have begun to eliminate some portions of policies. If you need those additional benefits, we’ll explain the details and help you add to your total benefits with an affordable supplemental plan.

Q: Is a Health Savings Account (HSA) right for me.
A: A HSA is a great way to save a set amount of pre-tax dollars into a specified account. The funds gain non-taxable interest until you’re ready to use the funds for medical expenses, eyeglasses, braces, alternative care, chiropractic and more.  Essentially, an HSA is a great way to save for future medical expenses. But there are limitations and the money can only be used for qualified expenses.

Q: What is term insurance?
A: It’s the right type of insurance for anyone who is single or just married. Term insurance is 10, 15, 20 or 30 years of a specified premium and payout benefit. And once you’ve completed the term, you can usually move to a Permanent Life plan.

Q: Does everyone in my family need health insurance?
A: Let’s suppose that 9 times out of 10, you’ll never get seriously ill or hurt. In that made up scenario, there’s still a 10 percent chance of a health-related “something” putting life on hold for a bit. The right insurance plan can help you cope if/when something does happen.