Hendricks Insurance

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Affordable Health Insurance Health care is expensive! New procedures, better technology, more effective medications, and higher quality medical equipment have all driven the cost of health care up in recent years. Unfortunately, these increases are then passed on to the consumer, often making health insurance unaffordable for too many. There are now more than 46 million people without health insurance nationally. United American has affordable individual health insurance designed to meet your budget.
Life Insurance Special circumstances, such as pre-existing medical conditions or tax-efficient estate planning, can signifcantly complicate the question of how much life insurance you need. The insurance industry itself has many different formulas. Let's narrow it down to what you would need to replace your income if you, or your spouse died suddenly. Some experts suggest buying life insurance equal to five times your yearly income. This assumes there is group life insurance from work for an amount equal to one year's salary, and that the person who will get the life insurance payment is eligible for social security survivor benefits. If both husband and wife work you should buy insurance for each of you. You need more insurance on the person with the highest income.
Long Term Care Insurance Many people think Medicare or Medicaid will pay for Long Term Care costs. However, Medicare only covers some skilled care in certain situations and can't be counted on as a Long Term Care policy. Long term care (LTC) insurance is not for everyone. To determine whether it is a good option for you, call for a personal consultation - 502-262-4482
Quality Medicare Supplement Research the companies offering the plan you want. Since all Medicare supplement plans are standardized, the only difference in the coverage is the company behind it. There are several factors you should consider about an insurance company before you purchase a product. Call 502-262-4482 to have an agent explain all your options.
Supplemental Coverages Critical Illness insurance has often been called "Survivor's Insurance." And, odds are, you will survive. But at what cost? According to the Heart and Stroke Foundation (2005), 75 percent of stroke victims will survive the initial stroke, and 80 percent of heart attack victims survive when admitted to a hospital. The Foundation estimates that the cost of living through such a critical illness is over $100,000 when the cost of rehabilitation services, travel to a treatment center, or loss of income are taken into consideration.
Worksite Marketing United American and its affiliated companies help employees, labor unions, organizations and associations provide their member retirees and current employees with quality health and life insurance coverage (minimum of 25 lives).

Stability is an absolute essential in insurance. When selecting an insurance provider, customers want a company they can depend upon to pay claims. Clients invest in a policy and expect that policy to perform when needed. United American has often said we are the company that does what it says it will do. For over a half century, United American has been meeting the individual insurance needs of our customers.  The Hendricks Agency promises to provide you with personal, dependable, professional service.

United American's strength is reflected in our ratings.   For over 30 consecutive years, UA has earned the designation of A+ (Superior) for overall financial strength from A.M. Best (as of 6/06) an AA "Very Strong" for financial strength by Standard & Poor's (as of 2/06).