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Growing by leaps and bounds...Our family-owned and operated company has grown into a full-service, reputable, comprehensive benefit and one-stop group or individual asset protection management company. We have specialists ready to assist you. Individual and Family Health Insurance— HMOs, POS, HSA, and PPO options offering (depending on the chosen plan) very rich benefits, maternity, vision, dental, mental health, prescription drugs, labs, as well as catastrophic care, high deductible, and lower-cost alternatives. Group health, Life, Disability, Vision Benefits-- Having one dedicated source analyzing each aspect of your business, discovering ways to cut costs for the employer, yet enhance the employees' benefits, is very advantageous, both in savings and time management. New Portable Employee Life and Dependent Life— Non-employer sponsored life insurance up to 100,000 with only 4 medical questions. The best part is that it is portable, so if the employee leaves a company, he/she keeps the coverage at the same rate. Employees can offer the same coverage to their families at very low rates.
Long-Term Care-- If you think Medicare, Medicaid or health insurance will pay the cost of long-term care- STOP and think about buying a long-term care policy. The average cost for one year in a nursing home is $40,000, but can be close to $100,000 in some big cities.
Catastrophic Health Care-- Catastrophic health plans provide a low-cost alternative to healthy individuals who are only concerned with covering their loved ones in emergencies, or if something goes “wrong.” They provide limited or no benefits for everyday doctor visits, but serve as an important safety net in an emergency or serious medical condition. These plans protect your assets in accidents/health issues by limiting the amount you will pay for health concerns, and after you meet the deductible you select (and any coinsurance, should you have any), the plan will cover you at 100% for the remainder of the year.
Pet insurance Provides options that help you save 10-60% on preventive care, grooming, and sick visits, and emergencies on your furry, scaly, or feathered family members. Temporary Health Insurance—Great for transition periods like after graduation, while you are in-between jobs, in your waiting period before group benefits begin
While we are proud to have grown to be prepared to meet all of our customers’ needs, whether you need an individual health insurance quote or a family health insurance quote, Atlantic-Pacific Insurance still retains that small, family-run-and-oriented company feel. We really care about every one of our clients, with a friendly service-oriented, knowledgeable staff that is here to help and meet with you at any time. We have over 30 years in the Life and Health Insurance Industry, and we distinguish ourselves from the competition by providing our clients on-going, prompt service.
If you have a claim that has not been processed fairly or promptly, we are there for you to intercede with the insurance company on your behalf. When you hear about other insurance companies that tempt you with suspiciously low rates, we are there for you to explain to the potential dangers of selecting your coverage solely on the basis or rates or flashy advertising. If it is a company that we are not representing, ask us - it may be a company that may not have your best interests in mind.
Why Choose An Independent Agent/Broker? Some people think it doesn't really matter where they buy their insurance. This misconception could be costing them money, service, and protection. Buying insurance isn't like buying milk or bread. Insurance is an important safety net for your family, your home, your car, or your business. Don't treat the purchase or your livelihood lightly!
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