Hawkins Cassens Insurance Agency LLC

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Let us help you determine how much insurance you need, how to select your next home or car or determine how much you need for college.

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Family insurance is an important part your financial planning. The last thing you want is to lose your valuable possessions in the event of a loss. Although the media would suggest that price is the most important consideration, many have found that saving 15% has cost them everything they own. Don't let this happen to you or your family.

As a business owner, youve worked hard to build your business and your estate. But, if you dont properly plan, estate taxes and other estate settlement costs could significantly deplete what is left for your heirs. Life insurance can help preserve your estate from depletion by estate taxes.

Life insurance can often provide the liquidity that your estate needs to pay estate taxes and other estate settlements costs. Without it, it may be difficult for your estate to raise the necessary cash to pay these expenses. Life insurance also ensures that cash is available to purchase the business owners interest at death.

We can provide the appropriate life insurance protection to meet both your personal and business needs, with variable, term, and universal policies.

Provides a fixed death benefit, as well as a cash value investment portion
Specially designed for the policyholder

Available for individuals or groups
Set for a specified period of years and can often be renewed
Competitively priced and, in many cases, portable

Typically provided as an individual policy that supplements an existing employee-sponsored group term program
Permanent policy that provides cash value investment portion and death benefit

Your health insurance plan protects the most important resource of your businessyour employees. Health insurance can be one of your most valuable recruiting tools. We can help you assemble a generous and affordable benefits plan that attracts and retains the best employees.
Well sort through the maze of HMOs, PPOs, POS plans, Health Saving Accounts (HSAs), and Health Reimbursement Accounts (HRAs) to integrate the components best suited to your needs. Your plan can evolve as your business meets the demand of growth, mergers, changing technologies, and marketplace shifts.