Health and Life

• Life Insurance
  Term life insurance is the purest form of life insurance. It is not only the least expensive form of life insurance available but it is also very easy to understand. Simply put, you essentially "rent" the coverage for a specified number of years. Term insurance is typically available in terms of 10, 15, 20 or even 30 years. The rates and the death benefit remain the same and are guaranteed for the entire period or "term". There are riders available that can add additional value such as Waiver of Premium in the event disability occurs during the term, and Accidental Death which usually pays twice the specified amount if the insured dies prematurely due to an accident. Some companies now offer a new benefit called a Return of Premium rider. If selected, the insured or owner can receive up to 100% of the premiums paid, tax-free, if the benefits are not used or if the policy is canceled prior to the end of the term. This is quickly becoming a much sought after benefit and is an attractive option in most situations. Fierce competition among insurers and greater life expectancies have combined to offer consumers the lowest rates ever! Leave it to The Hughes Agency to shop among dozens of top-rated insurers for the most aggressive underwriting and best rates available. If you haven't compared the price of your existing policy in recent years, or if you are in need of additional inexpensive protection, give us a call to arrange for a confidential, no obligation analysis or email us for a complimentary quote!
• Health Insurance
  Health insurance benefits and costs are constantly changing and can be hard to navigate. Let one of our licensed professionals guide and advise you through the many products that are available to you and your family. The Hughes Agency is licensed with all of the major national and regional insurance companies including Anthem Blue Cross and Blue Shield and Optima, just to name a few.
• Dental Insurance
  The Hughes Agency offers employers and their employees group health insurance, life insurance, short-term and long-term disability, and dental insurance plans. We represent all the major national and regional insurance companies including Anthem Blue Cross and Blue Shield, NCBC of NC Healthkeepers, Optima, United Healthcare, Dental Dental, Principal, to name a few. If you currently offer benefits, we'll take the time necessary to review your current program and offer suggestions and alternatives to meet your needs and save you the most money.

Personal

• Annuities
  LIFE AND ANNUITIES - Lincoln, Jackson, John Hancock, Prudential, Principal, Pacific Life, Nationwide, Guardian, Great American, Transamerica, American General