JAYROE & ASSOCIATES HELP CENTER
Do you offer free consultations to new customers?
Yes, we provide consultation and available resources to every client we meet, always free of charge. Whether you are searching for your first insurance plan or looking for better coverage, our goal is to help find the best policy for you. Our agents have over two decades of experience in the insurance industry and can help point you in the right direction for successful life and retirement planning. Give us a call at (479) 857-2810 or (888) 360-8611, or stop by our Russellville office and let us assist you with your insurance needs.
Do I have to meet with an agent in person?
We are always open for phone calls to schedule appointments in our office. Still, if a phone conversation, web meeting, or home visit is more convenient for you to discuss your insurance needs, we are happy to make the necessary accommodations to meet with you.
What plan and coverage should I choose?
Our agency represents over 50+ top rated insurance carriers to provide you with coverage options that fit your insurance needs. We offer a free analysis of your insurance needs to help you make an informed decision on the coverage that is best for you. When you book an appointment with us we present you with all available options for your specific situation and help you weigh components such as affordability, coverage, and network
How do I offer my employees health benefits?
The best way to get started is to schedule an appointment with one of our agents to discuss the unique needs of your business. As an independent agency, we provide you with multiple health insurance policy options and discuss variables to your plans, such as the number of employees, benefit offerings, and pricing. Once we go over the available options, we help walk you through which plan will best suit your unique business needs and best serve your employees.
Do I need a life insurance policy?
Life insurance is the best way to ensure that your survivors remain financially secure. Life insurance serves several purposes. It can provide mortgage protection, ensuring that your family would not need to give up their home. It serves as a replacement for income lost by a family wage earner and helps pay for services they provide. The amount of life insurance an individual needs varies. Suppose the goal of a life insurance policy is to provide for loved ones over a period of time. In that case, generally, ten times the annual contribution an individual makes to their family is recommended. If the goal is to leave your family debt-free, any outstanding mortgage balances or other large debts must be calculated and considered in purchasing a policy. As your life changes, so do your needs. We recommend that you review your life insurance protection at least every five years or sooner if you experience a major life event such as marriage, divorce, a new child, a home purchase, a new job, starting a business, or retirement. Life insurance is a final gift of financial protection and security to your loved ones. We would love the opportunity to sit down with you and discuss what life insurance policies would best serve you.
Why do I need long-term care insurance?
Long-term care insurance is becoming increasingly essential as the cost of providing health care rises. Families are going bankrupt paying the long-term care expense for elderly loved ones that can no longer make it on their own.
Long-term care doesn’t just provide coverage for the nursing home or facility. Long-term care policies can also provide coverage for in-home care and many other benefits. It is very common these days for children to pay long-term care policies on their parents to protect their assets in the event their parents someday need long-term care services. We have many options for long-term care policies and are always available to discuss them with you and your family.
Why do I need health insurance?
For decades now, healthcare costs have been on the rise. In our current economy, the cost of healthcare is growing faster than the bank accounts of Americans. With healthcare being a necessity, many are often overburdened with extensive medical bills that can compromise their financial success. In 2020 alone, healthcare-related spending in the United States increased 9.7%, reaching an astonishing $4.1 trillion, averaging $12,530 a person. When an individual purchases health insurance, they are protecting themselves from these rising cost. It is often stated that even the healthiest of individuals are only one medical emergency away from bankruptcy. Whether it’s an accident that occurs or a medical emergency, in an instance, we can go from working to a bedbound recovery. Not only do we miss out on a paycheck while we recover, after recovery, we receive an invoice. Without insurance, the invoice is much greater than any of us would like to pay. With health insurance, you no longer have to worry about skyrocketing medical prices and the risk of an emergency causing a hefty bill.