Life and Health Services with The Fire Safety Queen

At the Ashley Dalton Agency, we understand that protecting your future involves more than just safeguarding against fire risks. It’s about ensuring that you and your loved ones are covered in every aspect of life and health. Here’s how we can help:

Life insurance provides peace of mind, knowing that your loved ones will be financially secure in the event of your passing. Our life insurance policies are designed to meet a variety of needs:

• Term Life Insurance: Offers coverage for a specific period, providing an affordable way to ensure financial protection during key life stages, such as paying off a mortgage or funding a child’s education.
• Whole Life Insurance: Provides lifelong coverage with the added benefit of building cash value over time, which you can borrow against or use for future financial needs.

Annuities are a valuable tool for retirement planning, offering a steady stream of income to ensure financial stability in your later years. We offer a range of annuity options tailored to your financial goals:

• Fixed Annuities: Provide guaranteed payouts and are ideal for those seeking a reliable income stream.
• Variable Annuities: Allow you to invest in a variety of funds, offering the potential for higher returns based on market performance.

Umbrella insurance provides an extra layer of protection beyond your standard home and auto insurance policies. It’s designed to cover large claims or lawsuits that exceed the limits of your existing coverage, ensuring you are fully protected:

• Personal Liability Protection: Covers legal fees, settlements, and judgments in the event of a lawsuit.
• Broader Coverage: Protects against claims that might not be covered by your other policies, such as false arrest, libel, and slander.

Navigating Medicare can be complex, but our team is here to help you understand your options and choose the best plan for your needs:

• Medicare Advantage Plans: Combine Medicare Part A and Part B, often including additional benefits like prescription drug coverage, dental, and vision care.
• Medicare Supplement Insurance: Also known as Medigap, these plans help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.