Individual:
Cruise & Associates works with individuals on several aspects of insurance that are tied to their financial life. These areas include but are not limited to the following.

Life Insurance
Life insurance has different purposes at different times in a person's life. A young couple starting out might need the benefit of income protection in case of the death of a spouse. As a person gets older, the needs for life insurance change. These needs can vary from final funeral expenses to an in-depth estate planning. At Cruise & Associates, we work with our clients at all stages of life. With our biannual meetings, we evaluate both the tax and financial issues to meet their changing financial needs.

Health Insurance
Health insurance needs for each individual and family vary greatly. Cruise & Associate will evaluate each individual to determine the best options in health insurance. With the rising medical and insurance costs, we can come up with a program that is both affordable as well as adequate for a person's family situation. Cruise & Associates will develop programs affordable at all stages of life. By annually reviewing the policy, we will ensure a person will keep quality insurance at a reasonable cost.

Medicare Supplement
As the population gets older and government programs get cut, Medicare supplements will become more important to help offset the health insurance costs for senior citizens that Medicare doesn't cover. Don't wait until something happens to find out what Medicare does and doesn't cover. By meeting on a regular basis, we can make sure this doesn't happen to our clients.

Long Term Care Insurance
Statically, one out of every two individuals will end up being involved in some form of long term care. Individuals need long term care to protect their assets they have worked hard for all their lives. Long-term care insurance doesn't just include nursing homes. There are three areas of long-term care. The first area is home health care. This is part of a belief a person can be treated more efficiently in his or her own home rather than in a facility. The next area is assisted living facilities where a person has his or her own apartment and still lives an independent life, however, the apartment is tied in with trained nursing staff. Last is a nursing home facility where an individual receives 24-hour care. Cruise & Associates makes sure all of our clients have the benefit of all three options when it comes to their long-term care insurance.

Business Insurance Services:
With quality workers getting more difficult to find, employers are being required to offer more than just a competitive salary. Employers need to be able to offer their employees the highest level of benefits at the most affordable cost to themselves as well as their workers.

There are several different options for an employer, which range from providing their employees with full heath coverage to offering the employees the flexibility of a cafeteria plan, which allow employees to customize their health insurance program to their own specific needs.

Regardless of the business' budget, Cruise & Associates can customize a quality employee benefit package for a business at a minimal initial cost and can be expanded as the company grows. We will meet with the employees annual to address any changes or concerns in their insurance and benefits. Let us help you keep and retain quality workers.