Individual Health Insurance

There are two reasons why consumers purchase an individual health insurance policy. The consumer either does not have access to an employer sponsored health insurance plan, or they are interested in saving money by opting out of the often costly employer sponsored plan. The first reason is fairly straight forward: the financial consequences of being hospitalized without health insurance are often catastrophic. The other reason consumers purchase individual health insurance to save money is a bit more complicated. In North Carolina there are many situations in which an individual health insurance plan is more cost effective than an employee sponsored plan. At SPI Services, we will analyze your current health insurance situation and show you all of your options. We have helped numerous customers save on their health insurance costs by using individual health insurance plans.

Individual Life Insurance

If you're wondering whether or not you should buy life insurance, ask yourself this one question: "Would my death leave anyone in a financial bind?" If you answer "yes", it may be time to get serious about shopping for life insurance. Life insurance can offer peace of mind, ensuring that your debts or loved ones will be taken care of in the event of your death. But before you buy it, you need to ask yourself if you'll qualify, and whether you should purchase term or permanent life insurance. SPI Services can help you answer the questions you have about life insurance. We utilize the largest wholesale insurance distributor in the United States to ensure you get the greatest coverage at the most competitive rates.