Special Case Insurance

Unexpected medical treatment for special cases can endanger even the best-laid financial or estate plan.

Critical Illness Insurance  is designed to meet the demands of extreme and  unexpected situations:  a terminal illness;  organ failure or transplant, paralysis, blindness or deafness, HIV/AIDS (contracted by transfusion or surgery), multiple sclerosis, Parkinson’s disease, Alzheimer’s. a stroke or heart attack, and more.  Each of these exact a high cost for care, treatment and recuperation, plus lost income, and, perhaps, a significant change in lifestyle.

Howard will help determine which policy is right for you. Click here for more information.


Cancer is one of the most dreaded and dreadful words in the English language.  Treatment is expensive, and only the most common practices are covered by traditional health insurance. A cancer policy can provide funds for experimental treatment, day-to-day living expenses or travel for treatments, household help, or specialists who are out-of-network.


Accident only insurance excludes sickness, solely covering medical expenses related to injuries from accidents, or resulting death, disability or dismemberment. Whether an industrial or work-related accident, sports or recreation, vehicular or stationary, this policy may be the saving grace for you and your loved ones.


Mortgage Protection Insurance

A mortgage is a big decision and a big commitment. What happens if a family breadwinner suddenly passes away and a substantial portion of the mortgage—tens or hundreds of thousands of dollars—remains unpaid?

Mortgage protection insurance covers this potential financial disaster. You can purchase a policy when you first buy your home, or later, if your situation warrants.

The coverage is straightforward: the premium remains the same for the duration of the policy, and in the event of death, the insurance pays off the balance of the mortgage.


Medicare Supplemental Insurance is sometimes called a Medigap policy, for it addresses the expenses that Medicare Part A and Medicare Part B do not cover.


Dental Insurance

Americans saved nearly $100 billion in dental care costs during the 1980s by simply having regular checkups.

Most dental care coverage places an emphasis on regular preventive care by covering normal and minimal routine procedures: bi-annual examinations, cleanings and annual x-rays may be ample to maintain good oral hygiene. But for many, there will be a need for fillings, crowns, dentures, or implants. Others will require periodontics, endodontics, or oral surgery.

A dental insurance policy is available for basic, preventive services, or for major procedures.