Health Insurance

Choosing a health insurance policy for you, your family or small business can be a difficult and overwhelming task. The options are endless. Should you choose an HMO, a PPO, a low or high deductible or even a Health Savings Account (HSA)? Credence Insurance Agency strives to make your decision-making process easy and worry free. Our goal is to obtain the best health insurance policy available for you. We work to streamline your process. Through established relationships with top health insurance companies, we can offer you the package that best suits your needs.

After careful consideration, we represent Aetna Insurance, Assurant Health, Blue Cross/Blue Shield of Georgia and Kaiser Permanente. We are confident that our relationship with these strong health care providers will help us to provide the best policy for you.

To receive more information, contact us via phone or email. After completing a qualifying questionnaire, we’ll get started working for you.

Disability Insurance

Disability insurance, often considered the “forgotten insurance”, is an important complement to your health care policy. A private disability income policy replaces a percentage of lost income should you become disabled. Many neglect to purchase or do not purchase enough of this critical insurance supplement. This policy protects your family and your business.

Let Credence Insurance assist you in purchasing the correct policy for your needs

Long Term Care

Have you thought about long term care plans for your parents, your spouse or yourself? Did you know private health care rarely pays the costs of long term needs. The goal of long term care is to provide “peace of mind” benefits as well as financial benefits at the appropriate time . The policies help defer your costs of extended care. They include benefits beyond those that are Medicare approved. Long term care services help you maximize your independence and functioning when you are unable to be fully independent.

Let Credence Insurance help you choose a policy that is right for your loved one or yourself.

Term Life Insurance

Term Life insurance is a simple form of insurance that provides protection for a defined period of time, such as one, five, ten and even 30 years. These policies pay a benefit if the insured dies during the coverage period. They have generally low premiums and do not accumulate cash values. Once the term period has expired, a new policy is usually required to continue coverage. Term insurance is best suited for insurance needs that are temporary and relatively short-term in nature.

Permanent Life Insurance

Permanent Life Insurance is a policy that is designed to protect the insured for the remainder of his life, regardless of when death occurs. These policies provide a death benefit and a separate cash savings account, within the policy. There are several types of permanent policies, which can be designed and customized to meet the needs of the insured. These policies also have certain tax advantages that are not always available in other financial products. This type of policy is appropriate for situations that are long-term in nature.

Designing the right type of insurance program is a critical component to a family's or business's overall financial success. We have vast experience in this area and can customize a plan that fits the needs of your situation.