Haines-Ross Agencies, Inc.
Insurance Since 1981


Clarkston, MI 48348

 

 

  Need a quote Now? 

  

    Call 248-476-7555  

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Group Insurance Life and Health

       Life and Medical coverage s issued to a group, such as an employer, or association,  which provides coverage for individuals and sometimes their dependents.


Life Insurance 
      Choosing the right kind of life insurance plan depends on your needs today as well as tomorrow.  For example, your primary concerns today might be to protect your family's home and lifestyle in the event of your death.   Next, you may want to provide a fund to guarantee your children's college education.  Finally, you'll probably want to start building a nest egg for your retirement.  Ask us to help you identify your needs, guide you through the variety of life insurance plans that we offer, and recommend the plan that best suits your needs.

Health Insurance

Your good health is one thing that we all take for granted.  But with the rising cost of health care and the ever present threat of an accident or sickness, health insurance is a must.  It's well known that preventive health care is the best means to a long and healthy life.  Health insurance can provide coverage to lower the cost of preventive health care.  It also covers the cost of preventative maintenance.   All coverage is subject to deductibles and limitations.  This coverage can be purchased on an individual or group basis.  The plan you choose can be tailored to fit your specific requirements.


Disability Insurance
Disability Income Protection gives you the ability to protect your most valuable asset - the ability to earn a living.  You can be covered for either partial or total disability or both depending on how the coverage plan is tailored to meet your individual needs.

Long Term Care Insurance

Policies offer many different coverage options. Since you can't predict what your future long-term care needs will be, you may want to buy a policy with flexible options. Depending on the policy options you select, long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. The insurance might also pay expenses for adult day care, care coordination and other services. Some policies will even help pay costs associated with modifying your home so you can keep living in it safely