We’re the Group Benefits Insurance expert in North Carolina

Are you a business owner looking for a more cost effective, or benefit rich group insurance plan? We can help.

We have access to a wide range of group insurance companies, and can help pair you and your business with the best possible combination of price and coverage.

If you know anything about group insurance coverage, you know that over the past few years plans have been changed dramatically with more high deductible, HSA compatible plans replacing the traditional, HMO/PPO plans.

If you’re not familiar with the differences, you can easily make a mistake that cannot be undone for up to a year. This outcome is problematic for many reasons, but even more so if you have multiple employees relying on you to offer them the best possible coverage.

Here’s how our agency can help you:

• Group Health Insurance
• Group Dental
• Group Disability

If you need assistance in any of these areas and would like us to help, please call our office or head over to our contact page to get started. We would be happy to help!

We’re the Health Insurance expert in China Grove

Understanding the ins and outs of health insurance has become more and more difficult over the past several years.

Luckily, at Jason Bentley Agency, we have access to a long list of health insurance providers, and can walk you through your options.

Individual & Group Health Insurance

If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. If you own a business and would like to compare your options for group coverage, we can help you with that also.

If you’ve ever tried to decipher health insurance plans on your own, you may have noticed that there are dozens of different plan types, and multiple providers who offer them.

This leads to confusion as to which company is best, and which plan is most appropriate for you needs.

Health Insurance Plan Variables

When deciding which plan is best, there are multiple variables that impact the final cost. During our meeting or phone call, we’ll discuss things like:

• Deductible options
• Co-insurance percentages
• Waiting Periods
• Exclusions & Conditions

If that sounds confusing, don’t worry, we’ll make it very simple.

Looking for Disability Insurance in China Grove?

Jason Bentley Agency has got you covered!

Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right?

Why then is it that people have historically been more likely to buy life insurance, not disability insurance?

The answer is simple: insurance consumers are confused by disability insurance. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.

If that sounds like you, don’t worry. The team at Jason Bentley Agency is here to help.

Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness.

If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision.

Two different types of Disability Insurance

There are two different types of disability coverage:

Long Term Disability

Long Term Disability (LTD policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life

Short Term Disability

Short Term Disability (STD) policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Important Disability Insurance Conditions

Non-cancelable

This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable

This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

More things to consider

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

• Additional purchase options
  Your insurance company gives you the right to buy additional insurance at a later time.
• Coordination of benefits
  The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
• Cost of living adjustment (COLA) 
  The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
• Residual or partial disability rider 
  This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
• Return of premium
  This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
• Waiver of premium provision
  This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

If this sounds confusing, don’t worry. The team at Jason Bentley Agency is here to walk you through your options and make sure you get the best possible coverage for your needs and budget.

A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling.

What does Travel Insurance Cover?

• Accidental injury, sickness, or death of you, a traveling companion or a family member
• Weather events that cause cancellations in travel plans or a cessation of service
• Mandatory evacuation ordered by local authorities at your destination due to hurricane or other natural disaster
• Strike that causes complete cessation of travel services of your carrier
• Bankruptcy and/or default of your travel supplier
• Terrorist attacks that occur in your destination city
• You or your traveling companion are terminated, or laid off from employment

Travel coverage is literally indispensable for international trips, and for travelers of all ages and occupations, it’s a great way to take control over the potential costs of a trip.

Whether you’re planning on going solo or with a group of friends or family, Jason Bentley Agency can help you find an appropriate domestic or international travel insurance policy that meets your needs.

Looking for Rental or Vacant Property Insurance in China Grove?

If you own a rental property in China Grove or a home that happens to be vacant, a traditional homeowners insurance policy will not work.

You need what’s called a “Specialty Dwelling” insurance policy.

This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied.

In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.

Jason Bentley Agency represents several carriers who can insure your rental property, or specialty use property.

Specialty Dwelling Insurance

There are multiple scenarios where specialty dwelling insurance is necessary:

Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property.

There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability.

Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though.

Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.

Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.

Credit Problems — some homeowners might not have strong enough credit to qualify for a “standard” homeowners policy. When this is the case, specialty dwelling insurance is the alternative.

Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy.