Individuals: Products

Permanent Life Insurance - Permanent life insurance is designed to cover a person for their entire life.  Options available from Collateral Benefits Group include both whole life insurance and universal life insurance.

Term Life Insurance - Term life is the equivalent of "renting" insurance for specified amount time.  With coverage options ranging from 5 years to 30 years term life programs can be created to fit most any situation or budget.

Short and Long Term Disability - Disability insurance provides income replacement should an individual become unable to perform the duties of their current position. 

Supplemental Disability Insurance – Designed to cover a gap in disability coverage that may exist between employer-sponsored group disability coverage and an employee’s true disability income needs. 

Cancer Insurance – This program offers individuals a benefit that provides payment of benefits directly to them that will help to protect their family from financial hardship.

Critical Illness Insurance – Similar to the cancer program, critical illness insurance offers a lump sum amount should an individual be diagnosed with a covered critical illness such as heart condition, stroke, or cancer.

Long Term Care Insurance – Long Term Care is becoming an issue for many aging baby boomers and their families.  Many choices are available, but all give assistance to individuals and their families should a covered person become unable to perform daily activities such as eating, bathing and dressing themselves.