Life throws many unexpected things at all of us. While we usually can’t stop these situations from occurring, we can protect ourselves. That’s why having insurance is essential for you to have should a disaster happen. There are infinite insurance options available, and many brokers would tell you to have these insurance policies in place. With so many options, it can be challenging to determine what insurance you need. Purchasing the right insurance is defined by your specific situation.
Health insurance is a safeguard that will protect you from the full expense of healthcare and any procedures you may need. Investing in health insurance can save you incredible amounts of money every year.
Choosing the perfect life insurance plan depends on your financial needs and health status. We will assess all factors and guide you through every option until we find the perfect plan for you. No matter what the results of your medical examination are, we will find the insurer that will provide you with the best rating class and the lowest premiums.
Neglecting oral health can be detrimental in the long run. Unfortunately, it is often overlooked due to the high costs of dental coverage. Dental insurance is designed to offer you coverage for common dental care issues. A low-cost dental insurance plan can ensure that you and your family maintain optimum oral health at an affordable monthly premium.
There is a common misconception that vision insurance is included in your health insurance plan. The facts are that most health insurance companies don’t include basic vision needs in their plans, including glasses, contacts, or eye examinations. To have those needs covered, you need to purchase a separate vision insurance plan.
Long-term care insurance provides a safety net for when you are no longer able to care for yourself. Long term care insurance covers the cost of care, that individuals with debilitating illnesses, injuries, or cognitive disabilities require to function. We offer our clients a range of options to get the services they need at a cost that fits their budget. Medicare will only cover up to 100 days of long-term care.
If you become disabled, standard-unemployment benefits will likely not provide what it takes to replace your income. Disability insurance gives you the ultimate safeguard and peace of mind. We will help you search for the ideal plan from a superior carrier based on your situation.
Why purchase insurance with Cosmo Insurance Agency?
Whether you are looking for insurance for yourself or your family, Cosmo offers a large variety of products. We help clients navigate the insurance universe to find cost-effective benefits where all insured are satisfied. Cosmo’s team has saved our clients up to hundreds of thousands of dollars a year without compensating on their benefits. In addition to saving our clients on premiums, our customer services department works diligently to ensure that our clients pay only out-of-pocket expenses that they owe if they are billed incorrectly.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.