Supplemental

Life Insurance

Life is big. Your coverage should go wide

We’ve got insurance solutions for when you go the extra mile, have a miracle and face life’s greatest struggles. Rely on us for honest insight, a free quote and advice. The help is on us.

You’ve got a life insurance policy in place, but are you paying too much?

We think so. Chances are, if you purchased your policy from a life insurance agent that works for a big insurance company, that agent is restricted to only sell you products from that one company.

At Lighthouse, we do the shopping around

We have contracts with most major insurance companies so we can provide honest, comprehensive advice. We have your best interests in mind, and we have the range of products to find the right fit.

Get a free analysis

It costs nothing to call Lighthouse and find out how your current life insurance policy fits your needs and budget. Maybe there’s a better options. We’ll help you find out.

Insurance-Based Retirement Strategies

Wouldn’t it be nice if your retirement were guaranteed?

We think so.

After the economic fallout of 2008 and following recessionary years, many of us want to know: Will we ever be able to retire? Our goal at Lighthouse is to help you develop a comprehensive retirement strategy that takes into consideration your risk tolerance, cash flow projections, affordability, lifestyle and tax liability.

Find out how Lighthouse can help you plan for tomorrow. Get free information and an analysis by calling 866-230-0222.

Key Employee Insurance

Key employees mean everything to your business. But what if you lose one of them?

We’ve got insurance for that.

Consider what could happen to your company’s operations if key employees no longer existed? (It’s a scary thought.) Protect your business from the unexpected with Key Employee Insurance, a critical component of your business planning.

Lighthouse strategists can talk to you about how to structure an element of Deferred Compensation to this package to insure key employees’ value as a worker, and to retain those important players in the long-term.

Find out more by calling a Lighthouse associate at 866-230-0222.

Carrier Partners

We believe you deserve life insurance options—lots of them.

You don’t always get choices when you work with a life insurance agent. Usually, a financial advisor or life insurance agent represents one carrier. Their agenda is to sell that product. But what if there’s another product out there that’s better suited for you?

Lighthouse can get you virtually any insurance product from most insurance companies in your state. Because of this access, our opinions are unbiased. Our focus is finding a product to meet your needs. We consider your immediate, short- and long-term financial goals and custom design a program or portfolio that meets those objectives, keeping in mind your family and your budget.

Here is a list of some carriers we represent:

  • AIG
  • Assurity
  • AVIVA
  • ING
  • John Hancock
  • Banner
  • Lincoln Financial Group
  • MetLife
  • Minnesota Life
  • Mutual Of Omaha
  • Principal Financial Group
  • Protective Life Insurance Company
  • Transamerica

Contact Lighthouse for a free analysis and ask us about finding the right life insurance product for you.

Dental Insurance

Smile. We’ve Got You Covered.

Protect your pearly whites without paying a fortune. Stop stressing about your next dentist appointment. We’ve got the right dental insurance policy for you, with free quotes and a range of plans to suit your needs.

Prevention matters

Here’s why: studies reveal a connection between advanced gum disease and heart disease. And, there may be a link between oral bacteria and serious medical issues like blood clots, diabetes, pneumonia and osteoporosis. Protect your whole health by taking care of your teeth. You can afford to with our plans.

Bases covered

Most dental plans cover the majority of preventive procedures. Dental insurance usually covers about 50 percent of costs for procedures such as crowns, partials, bridges and implants. (Tip: The missing tooth clause and replacement clause prohibit coverage for work performed prior to purchase of the plan.) A Lighthouse associate can walk you through plan options, answer any questions and help you select insurance.

Understanding preventive

Many carriers dedicate a large portion of coverage to preventive procedures. They figure this will reduce the need for expensive procedures down the road. That’s why you’ll find most dental insurance plans cover 80 to 100 percent of dental procedures, including regular checkups and cleanings.

Restorative round-up

Fillings, tooth extractions and (sometimes) root canals are typically 65 to 80 percent covered. You’ll want to know if procedures like root canals are classified as restorative or major. (That can mean the difference between some coverage or total out-of-pocket). To find out, check out the plan’s Usual, Customary and Reasonable fee schedule. Ask a Lighthouse associate to help. That’s what we’re here for.

Individual Dental Insurance

Protect your pearly whites without paying a fortune. Stop stressing about your next dentist appointment. We’ve got the right dental insurance policy for you, with free quotes and a range of plans to suit your needs.

Group Dental Insurance

Protect your pearly whites without paying a fortune. Stop stressing about your next dentist appointment. We’ve got the right dental insurance policy for you, with free quotes and a range of plans to suit your needs.

Vision Insurance

All Eyes on You

Hey, four-eyes. How are you going to pay that bill? With affordable vision insurance, you can fit regular eye and contact exams into your budget, and even spring for those cool new frames. We’ll explain various levels of coverage and help you shop for coverage that suits your needs.

Here’s Looking at You

You don’t want to skip that eye exam. Sure, the preventive measure will evaluate your vision, but more importantly, it can help your doctor detect signs of common health conditions like high cholesterol, high blood pressure and diabetes. Eyes are the windows to the soul—and your whole health.

Get a plan

Routine eye exams maintain overall health and wellness. Your doctor will look for vision problems, signs of serious medical conditions, and provide solutions. We’re here to help you find vision coverage that fits into your budget.

Looking After Your People

You care about the people who work at your business, and you know that offering health insurance business keeps them healthy, productive—and attracts talent to your organization. Vision insurance is an important piece of the benefits puzzle, and an offering that employees truly value. We’ll help you figure out a way to make vision insurance affordable for your business, and the people who work there.

Comprehensive coverage

Learn how you can offer robust coverage for eye exams with optometrists and ophthalmologists, no matter where you are located.

Get a free quote

Lighthouse provides free quotes, and if you buy a plan through us, you pay the carrier directly. We’re here to help. So what are you waiting for? Call 866-230-0222.

Tele Insurance

Healthcare When You Need It—Now.

Professional medical advice is a call or click away. Telemedicine is eliminates the barriers of time and place and puts you in control of your health care. You decide when and where. You make the call, or send out the message. You receive knowledge to help inform healthcare decisions. It’s safe to say that Telemedicine is, truly, all about you.

Call-in convenience

Whether you live in rural America and a drive to the doctor’s office is not convenient, or your address is a downtown apartment but the hours and availability of typical doctors’ offices don’t meet your scheduling needs—we have a solution with telemedicine through Lighthouse.

Hassle-free care

Access telemedicine products that offer medical assistance from registered nurses and medical doctors 24/7/365. They’ll review medical records, make common diagnoses, recommend treatment plans and even prescribed non-controlled medications if necessary. Plus, you can gain access to electronic or online medical records.

Get in the now

Lighthouse will help you choose a telemedicine policy that meets your cost and frequency demands. And we’ll explain how this whole thing works. Telemedicine is the hottest trend in consumer-driven healthcare, and the reason why: it truly caters to you

Go Lighthouse

We’re a trusted source for accessing thousands of affordable health care plans, including telemedicine policies that fit your budget and benefits needs. Find out more, get a free quote, learn how you can have more choice. Just call 866-230-0222.

Pet Insurance

Protect Your Best Friend

Your pet is a kid, your brother, a furry friend that shares the bed and goes on vacation with you. He’s part of the family, and you need to plan for how you’ll pay for health concerns that arise when animals age. Caring for a sick pet, or even managing regular veterinary visits, can cause financial stress. You’ll do anything for your companion—but the cost of treatments only add to the pain of going through a difficult time. Pet Health Insurance can relieve the financial burden so you can focus on enjoying your companions.

Cover your pets

With Pet Health Insurance, you can choose among licensed veterinarians and ensure coverage of accidents and illnesses. Optional routine care plans are available. Limited coverage plans can cost as little as $5 per month, and the cost may be less if you cover more than one pet.

Go Lighthouse

We’ve got your best friend covered. Call us to find out how you can access affordable pet health insurance. We’re ready to talk to you about it anytime, 866-230-0222.

PPO Plans

Your Plan, Your Choice

If you’re looking for a plan that’s flexible, gives you freedom of provider choice, and the ability to see specialists without a physician referral, consider a Preferred Provider Organization (PPO) plan. There’s a reason why these plans are the most popular among families and individuals. You can visit any in-network doctor without a referral, and if you decide to see a primary care physician who’s out of network, that’s O.K. Your insurance will still pick up some of the tab. Of course, it’s always most beneficial to stay in network, but the ability to choose makes a PPO desirable

Go PPO

If you want the freedom to choose almost any medical facility or provider for your health care needs, and you want some of out-of-network claims to be covered by your insurance. If you want to see a specialist without getting a referral. (Of course, always read the Summary of Benefits and never assume these terms as absolute.)

Go Lighthouse

We’re a trusted source for accessing thousands of affordable health care plans, including PPOs that fit your budget and benefits needs. Find out more, get a free quote, learn how you can have more choice. Just call 866-230-0222.

Prescription Discount Plans

When Family Comes First We've Got Your Plan

The cost of prescriptions can really add up. Brand-name drugs can cost hundreds of dollars, and the monthly bill for one (or several more) can add up to a significant financial burden. How will you afford to pay for the medications you need? You can’t always depend on your insurance plan to pick up the tab. Every policy’s prescription drug coverage is different.

Prescription Rx Plans

Get a discount card that can save you money at participating pharmacies. You may not have coverage for the brand-name drugs you need, and that’s how the bills can really add up. Figure out if you should get a plan like this by checking the formulary list of drugs you plan offers. Ask your insurance agent for this information, or check online. If your medications aren’t covered, it’s time to get a discount medical program including a prescription drug card.

Lighthouse Rx

We’re a trusted source for accessing thousands of affordable health care plans, including discount medical programs for prescription drugs that fit your budget and benefits needs. Find out more, get a free quote, learn how you can have more choice. Just call 866-230-0222.