Our Products


Life Insurance

We offer two types of life insurance. The first is Term Life and the second is Permanent Life. The fundamental difference between the two types is that one (Term) is designed to last a fixed period of time and the other (permanent) is designed to last a lifetime.

Term Life Insurance can be bought in 5, 10, 15, 20, 25 and 30-year increments. Term Life Insurance is good for covering mortgages or other items that are time-specific. It is reasonably priced.

Permanent Life Insurance is Term Insurance with a savings account. It can be designed to last to any age. You may know of this type of insurance as "Whole Life" or "Universal Life". Permanent Insurance is an interest rate sensitive product that grows cash value tax deferred. The cash value is used to help fund the policy in later years when your cost of insurance rises. It is more expensive than Term Insurance.

Business Life Insurance

Are you a business owner or a business partner? Did you know that Business Life Insurance is one of the most efficient and effective ways of structuring how your business will continue if you or your partner passes away? And if you are a partner, do you really want your partner's family to have control over your business's future?

With a little planning, life insurance in combination with a legal agreement, will clearly spell out the future of your business. Your family will take comfort knowing that they will have access to IMMEDIATE funds to keep your business alive...all for a small price.

Do you have "key" employees that are important to your business? What would you do if these key employees were to die or become disabled? Key Person Insurance can provide protection against death or disability.

Maybe you would like to reward some of these key employees? Deferred Compensation can provide you the tools otherwise know as "Golden Handcuffs" to help retain and keep valuable employees.

Whether you are looking for a small Term Life Insurance Policy or an advanced Business Life Insurance plan, let the experts at Bradley Associates Insurance Service guide you through the process. Fill out the lead request form on the left or just call us to get a FREE quote. You will be happy you did!

Annuities

Safe...proven...reliable - these are all terms used to define annuities. Annuities are retirement savings vehicles that are purchased through an insurance company. Unlike other investment tools, annuities are guaranteed to never loss value while earning a modest interest rate. Annuities are designed for people who are at or close to retirement. This is because you are penalized for withdrawing any funds before retirement age.

There are two phases to annuities, wealth accumulation and wealth dispersion. One of the great things about an annuity is its flexibility to be dispersed in various ways known as settlement options. An annuitant can specify how and when their funds are to be paid i.e. lump sum, 10-year certain, lifetime, etc.

Before you purchase a mutual fund or a CD, you owe it to yourself to consider an annuity. Just like with other important financial decisions, make sure you deal with a professional who understands how annuities work and more importantly, how an annuity can be structured for your particular situation. Bradley Associates Insurance Service has the experience, expertise and selection of top-rated insurance companies that can benefit any retirement plan.

Health Insurance

Good health insurance is essential to any family or business. Finding the right plan at the right price can be challenging to say the least. That is where Bradley Associates Insurance Service can help. We will custom-tailor a plan to fit your needs and budget by taking the time to understand what you require from a health insurance plan. No two people or budget is ever the same so that is why one must have multiple companies to choose from. Do you need an HMO? A PPO? A Health Savings Account? Do you understand the differences? Don't worry if you don’t, as we would be happy to point you in the right direction and clearly explain your choices to you.

Long Term Care Insurance

There are a few moving parts to understand when it comes to Long Term Care Insurance.

Elimination Period - How long you need to wait before you can claim against your insurance.
Usually, the shorter the better.

Lifetime Maximum or Lifetime Benefit - The amount of money available for you to claim against in your lifetime.

Triggers - Most policies have between two and three "triggers". A trigger begins the claim process and is expressed as something you are not able to do like bathe yourself, dress yourself, etc.…The more triggers options you have,
the better.

Daily Maximum or Daily Benefit - The amount of money you are given per day to claim against.

Inflation Protection - The choice is usually between a 5% Simple and 5% Compound Inflation Rider. Inflation Riders allow your lifetime and daily maximum to keep up with inflation.

Disability Insurance

Disability Insurance is also known as "asset protection" insurance. It is used to replace about 60% of your income while you are unable to work. Think of it, no money to pay for your monthly expenses while you are not able to work. Many people suffer great financial loss due to a disability. Unlike Life Insurance, you have a much greater chance of becoming disabled and/or having multiple disabling illnesses and injuries in your lifetime.

Good Disability Insurance policies have what is called an "Occupational Guarantee". This says that you are considered disabled if you can't perform your normal occupational duties. Being specific about what is considered a part of your normal occupational duties allows you to file a claim easier than a policy that does not have an occupational guarantee. Usually disability polices with no occupational guarantee only allows you to file a claim if you cannot work. That is a much broader definition that often times, makes it harder to qualify for a claim.