Life Insurance and Health Insurance

Life and health policies you can trust.

Howard Eales, Inc. has life and health insurance policies available for applicants, including group insurance and retirement planning and insurance services. If you’d like to provide a secure retirement for your staff, consider getting group coverage from Howard Eales. We can help your valued employees allocate and manage their life insurance benefits, including the kinds available to holders of permanent life, universal life, whole life, term life, return of premium term life, or other fixed annuities and policies.

Excellent staff benefits.

If you’re an employer looking to provide excellent coverage to your staff, you can let them know we provide policies that provide for major medical expenses, disability income protection, health savings accounts, Medicare supplements, and much more.

Secure your future.

In our ever-changing world, you need an experienced full‑service, independent insurance agency like Howard Eales, Inc. with the awareness of our evolving marketplace, especially in health insurance. We have the ability to provide you with clear explanations about the coverage options available to you for your life insurance and health insurance. We understand that life insurance plays a significant role in securing the financial future of your family after you’re gone. Howard Eales provides a comprehensive range of insurance policies, products, and services, that can help you build a simple, affordable insurance protection plan.

Life insurance is a must.

The sole purpose for having insurance is to cover the costs of the things you can’t afford to replace with cash by yourself. How do you value the loss of your life to your loved ones? As uncomfortable as it may be to consider, life insurance can help you plan for the costs to your loved ones of closing out your business and living the rest of their days in comfort. At Howard Eales, we have been helping our neighbors and clients in Washington, D.C. get the perfect amount of life insurance and health insurance coverage for their needs for every stage of their lives. Contact one of the several insurance professionals at Howard Eales, Inc. today, and discover how we can help you take advantage of the essential retirement planning options and tools available to you.

Life Insurance Options:

We can meet your needs for:

  • Permanent Life
  • Universal Life
  • Whole Life
  • Term Life
  • Return of Premium Term Life (with this product all the premiums are returned to you at the end of the policy term)
  • Fixed Annuities
  • and more

Health Insurance Options:

Coverage options include:

  • Major Medical
  • Disability Income Protection
  • Health Savings Accounts
  • Medicare Supplements
  • and more.

Group Health Insurance

Health Insurance is one of your most important needs.
Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which is the best plan for you and your budget. Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.

Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.

Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, you can buy an individual policy, however, you should utilize your agent to compare your options and shop carefully for the best coverage for you. Contact us today for more information about Group Insurance or fill out our online quote form.

Retirement Plans

Retirement planning is essential to securing a level of comfort for you and your family when you retire. The most important steps to a happy retirement are saving and investing your money. After working for a long time, a big rest is exactly what you need. Whether you want to travel, pick up a new hobby, or just relax in your retirement, it’s important to plan for those “golden years”.

We can help you plan for your retirement years with a wide variety of investment vehicles and insurance products as shown below:

  • IRAs
    Individual Retirement Accounts were established by the federal government to encourage people to save for their retirement by providing a variety of tax advantages.
  • Traditional IRA
    Contributions up to $2,000 annually may be deductible, and your earnings are not taxed until you start withdrawing money.
  • Roth IRA
    For many people, a Roth IRA may offer greater tax savings and withdrawal flexibility than a traditional IRA. Eligibility depends on income.
  • Simple IRA
    SIMPLE IRA plans are retirement vehicles, maintained on a calendar year basis, for small employers (no more than 100 employees earning at least $5,000 for the preceding year), which permits contributions under a qualified salary reduction agreement.
  • Annuities
    Annuities can provide a series of payments that typically start at retirement and continue for the rest of the contract owner’s life. Annuities can provide retirement income for either a fixed period of time or for the rest of an annuitant’s life. Retirement income payments can begin immediately with the purchase of an annuity or be deferred to some time in the future.
  • 401(k)
    A 401(k) plan allows you to postpone receiving a portion of your salary until you retire. You choose the amount of income you’d like to “send to the future,” or defer annually. Advantages of a 401(k) include:
    • Chance of lowering your income rate by deferring a portion of your taxable income.
    • Ability to access the money for certain situations like buying a house, college fees, or in some hardship situations.
    • Your Social Security contributions and benefits will not be impacted by your 401(k) plan.
    • Your account is transferable—so you can take it with you from job to job.

Long Term Care

Long-Term Care has been defined as “medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis. Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure.”

Long-term care is typically not covered by your health plan, disability coverage or Medicare. Medicaid does cover long-term care, but only after you have used up your assets paying for care.Contact us today for more information about Retirement Planning.

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