Contact TRICOR

How can I be assured that I’ll get the coverage I need?

TRICOR represents many of the top life insurance companies available and currently provides coverage for several thousand families & businesses. We have been providing life coverage for many years and can help you select the right kind and amount to purchase.

How much insurance do I need?

It sometimes is not easy to determine just how much life insurance is needed. It’s important to buy enough so your family is protected, but you don’t’ want to overpay for insurance you may not need. At TRICOR, our trusted professionals can help you determine the amount of coverage needed.

One approach that has been used in the financial services industry for many years is called the Life Insurance Needs Analysis. This approach is based on replacing an amount of income needed for your surviving spouse and children.

What About Rules of Thumb?

The rule of thumb method is simply based on a multiple of your annual income. Since your financial situation is specific to you and different from your neighbor, there is no “rule of thumb” that can tell you with any certainty how much life insurance you should own.

You may have also considered buying only enough life insurance to cover a mortgage or other outstanding debt. While mortgage life insurance will pay off your mortgage, it will not provide a dependable income for your family.

One of our trained specialist will assist you to determine what coverage amount is suitable for your specific needs.

How much will I save?

Once we determine the amount of coverage that suits your needs, we will complete a rate comparison with all of the top carriers to provide you with the lowest rate available.

What kid of Insurance is right for me?

There are two basic types of life insurance available on the market today, Term Life Insurance and Permanent Insurance. Which one is for you? It may depend on how long you need the coverage for. If you have a temporary protection need, Term Life Insurance may be appropriate. If you expect to need life insurance for a longer duration, even for your lifetime, then you should consider Permanent Life Insurance. Term Life Insurance is often the choice for families as it costs less and the time needed can be determined based on how long it will be before the kids finish school and are then out on their own.

Term Life Insurance is intended for a specific period of time. Term Insurance offers the lowest initial premium expense. If your needs exceed the time specified in the term policy then permanent insurance may be an important option to consider. Permanent Life Insurance is intended to provide life insurance protection for an extended duration, even for your entire lifetime. Permanent Life Insurance offers guaranteed premiums and guaranteed cash values (accumulated as a result of your premiums). Some types can offer you cash value growth driven by the equity markets. While the premiums are higher than you initially would pay for the comparable amount of term insurance, over time the permanent life insurance cost may be lower than term insurance when your needs are for an extended period or for your lifetime.

Will you be there when I need you?

You can call us toll free any place any time 1-800-541-5710. Most calls are during our regular business ours from 7:30 AM to 7:00 PM Monday through Thursday and 7:30 AM to 5:00 PM Friday and 8:00 AM to 12:00 noon on Saturday but we really are available 24 hours per day with our after hours service for claims and policy changes.

How can I select the right company so that I can be assured the coverage will be there when I need it?

When you work with one of our account execs to get not only a great plan and a good price you also work with an agent with years and years of experience. The companies we represent are in the health insurance business for the long term.

Should I purchase an HMO , PPO, POS, or buy a more traditional type of plan for my company?

These are the types of questions which we need to help you with. You need to talk with one of our account exec's. Please contact Jodi Beidler and she will put you in touch with the right person. You can call Jodi at 319-557-9981 x20 or call 1-877-468-7426 and ask for Jodi Beidler.

How large should my deductible or coinsurance be?

We will help you with this question. This depends on your needs. In some situations, you will be looking for certain benefits such as drug cards or free or low cost doctor visits. In other cases you will be looking for savings.

How should I finance my health plan?

Should I be fully insured, partially insured, self funded with stop loss r just self funded? Consult with one of the TRICOR health account sales people. Most have years of experience and can assist you in this process.