-Ruggiero Insurance Solutions -

Helping Make Sense Out Of Insurance

THE IMPORTANCE OF ACCIDENT INSURANCE
Learn to Better Protect Yourself and Your Family.

 

Be Prepared for Life’s Unexpected Mishaps Accidents can happen at any time. You could suffer an accidental injury while you are working around the house or walking into work. Or your child may get injured at basketball practice. When an accident happens, it can be costly. Even with major medical insurance, there may be out-of-pocket expenses that you’ll have to pay. In the event of an unexpected injury, Aflac can help protect your personal finances. We provide individuals and families affordable insurance that helps with expenses that may not be covered by major medical insurance. Aflac pays cash benefits directly to you (unless you specify otherwise), so you can use the cash for anything you want. Which means uncovered medical expenses won’t break the bank if you are injured. And since we can process your claim quickly, Aflac helps give you the peace of mind knowing you can spend more time recovering and less time worrying about bills. 

Anyone Can Be Diagnosed With Cancer - Despite the best efforts of doctors and researchers, cancer remains a concern for many individuals and families. People from all walks of life are at risk, regardless of age, gender,or ethnicity. In the United States, men have a slightly less than one-in-two risk of developing cancer during their lifetime; for women, the risk is a little more than one-in-three.* Advances in pharmaceuticals, surgical procedures, and alternative treatments have improved the odds of cancer survival, and Americans diagnosed with cancer are living longer than ever. But with improved treatments and survival rates come
increased costs. 

A report published by The Heart Foundation in 2014  reported that more than 920,000 Americans will have a heat attack; nearly half of them will occur without prior symptoms or warning signs.Heart disease may be a leading cause of death, but that doesn’t mean you have to accept it as your fate. Although you lack the power to change some risk factors — such as family history, sex or age — there are some key heart disease prevention steps you can take.

Health and Critical Illness

 

A recent Kaiser polled revealed that 71% of the people voting in the mid term elections list the rising cost of health care as their #1 concern.  Health coverage is covering less and less and costing more and more which is why having major medical coverage is not always enough.

75% of employers say their companies benefits hep increase workers productivity while 65% of empoyees say that a benefits package is very or extremely important to job satisfaction.

Business Coverage

 

We oofer a range of coverages for business in size ranging form 9 to 100 employees.  Cover types include Liability, Property, Workers Compensation, Group Health, Group Life and Commericail auto.

Home and Auto

 

There is a MAJOR difference between having "full" coverage  for your home and auto and the proper coverage for each.  There is a big difference between having state minimums which makes it legally required to drive an auto and having a coverage that will actually protect you from being sued since your insurance coverage was not enough to cover the cost of the other persons car or if the other person has no coverage at all.

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