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Quantum
offers a variety of services to fit the needs of Individuals. Our product
line includes the following: Medical, Life, Disability and discount services
for vision, pharmacy and dental.
Health Insurance
The most common form of individual health insurance, a major medical health
policy provides benefits pharmacy, office visits, sickness or injury,
regardless of whether the care is provided at a doctor's office, clinic
or hospital. We can offer an HMO, PPO, POS or Deductible plan design choices.
Term Life
Ideal for a temporary purpose or a specific period of time, from one year
to as many as thirty years. Term insurance is relatively low in cost and
can usually be converted to permanent coverage when your needs change.
Permanent (whole life) Insurance
Provides life-long protection not only in tax-free death benefits, but
also accrues cash value. You can also fund a loan against the policy for
emergencies and other needs. The cost of this type of policy is usually
higher than other Term Life Insurance.
Disability
A disability policy provides for income replacement when you are disabled
due to sickness or injury. Both the duration and waiting periods for
payments varies with the policy selected.
