Insuring You and Your Loved Ones
Life Insurance
With most families having two breadwinners, life insurance on both spouses is important. But the amount of Life Insurance provided by most employers is not enough coverage to protect your family. Buying a personal Life Insurance policy that is yours even if you change jobs can be the answer.
Life Insurance is what may allow your family to stay in your home even if one of you is gone. Life Insurance can pay the monthly bills and the big expenses, like college or a wedding. And Life Insurance can even be used as a tool to protect the value of your estate after you're gone. A Univest Insurance expert can help you determine how much and what kind of Life Insurance each of you needs to protect your family from financial catastrophe. Get A Life Insurance Quote...
Health Insurance
If your employer doesn't provide health insurance, if you're between jobs, or if you're your own employer, Univest Insurance can help. We have relationships with a number of insurance companies that sell individual policies and can help you find the combination of benefits and premiums that best suit the needs of you and your family.
Disability Insurance
According to the Social Security website, a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age. And if you're injured or ill and unable to work for a long period of time, Disability Insurance provides a steady monthly income. You may even qualify for Social Security disability benefits, but they will not replace your regular income in full. Also, it's important to know that you are eligible for Social Security disability benefits only if you are totally disabled and unable to work at any job, not just the job you originally had.
Owning your own Disability Insurance policy is a good way to make sure you will have adequate income. Unlike Social Security, private disability insurance can cover partial disabilities, and the requirements are usually more flexible than the government program. A Univest insurance expert can help you sort through your options and purchase the policy that makes sense for you and your family.
Long-Term Care Insurance
The average cost of nursing home care is now over $66,000 a year.* If you or your spouse were injured or ill and needed this kind of care, how long would your savings last? If your answer is, "Not long enough," you may want to consider Long-Term Care Insurance, which can pay for the care for you or your spouse, either in a nursing home or at home.
A Univest Long-Term Care expert can help you find a policy that provides the coverage you need -- including all-important inflation protection -- at premiums you can afford. *The $66K comes from a survey published by MetLife.
Insurance products offered through Univest Insurance, Inc., a licensed insurance agency affiliate of Univest Corporation, are obligations of and underwritten by unaffiliated insurance companies. They are not insured by the FDIC or any other agency of the United States and are not deposits of or guaranteed by any bank. The purchase of insurance is not a condition of any banking product or service and will not affect credit decisions.