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DON'T LET A CLAIM RAIN ON YOUR PARADE.

 

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Accident
Insurance

Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

 

  • Broken teeth
  • Concussions
  • Intensive care unit confinement
  • Ambulance, ground and air
  • Emergency room visits
  • Lacerations
Life
Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

INSURANCE

HOURS & LOCATION
Location

341 Shewville Road

Ledyard CT 06339

 

wtm.msi@gmail.com

 

Tel: 860-245-4440

Fax: 800-928-0230

Hours

Monday - Friday 

9:00 am to 5:00 pm

 

 

 

Evenings by Appointment

  • Out-of-pocket medical expenses 

  • Out-of-network specialists

  • Experimental cancer treatment

  • Travel and lodging when treatment is far from home

  • Child care and household help

  • Normal living expenses, such as your car payment, mortgage/rent and utility bills

 

No one wants to experience a cancer diagnosis, but the fact is that the risk of getting cancer is great. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2012, American Cancer Society). Aflac cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.

A supplemental cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical coverage, including:

Cancer/Specified Disease
Insurance

Critical Care and

Recovery Insurance

A serious health condition such as heart attack, end-stage renal failure or third-degree burns is not only a life-altering physical event, but a devastating financial one as well. Critical care & recovery insurance may make all the difference by providing cash benefits as you concentrate on your recovery.

Covered health events also include:

  • Stroke
  • Paralysis
  • Coronary artery bypass surgery 
  • Persistent vegetative state
  • Major human organ transplant
  • Coma 
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