Life Insurance, along with many other substantial benefits, the core advantage is paying an income tax free death benefit directly to your beneficiary when you die. It also renders options that can reduce taxes, build cash on a tax deferred basis and, if handled properly, allows tax free access to that cash for retirement. There are two major types of life insurance; term and permanent (which builds cash value). Term: Is typically purchased for a specific need that has to be covered for a certain period of time, such as during those years your children are growing up. It provides.

Heath Insurance, in general, is utilized to help defray the cost of services charged by doctors, hospitals, imaging centers, laboratory testing facilities, and prescription drugs. A monthly charge (premium) is levied to maintain the coverage in force for when the benefits need to be accessed. There are group and professional association plans that are available for members or employees of firms, which guarantee coverage can be placed, regardless of the health status of anyone in the group or association. Individual/family plans (IFP) are available to those who may not have access to participation in a group scenario..

Annuities are great tools to assist you in planning for retirement. Principal deposited and interest earned are both protected, which lends itself to dependability of funds being available when needed. The types of annuities available are quite varied but, in general, there are two main categories: immediate and deferred.

Vision plans are utilized to test vision acuity to determine whether a person requires the wearing of corrective lenses. Typically, there is a benefit provided for annual eye exams, lenses and frames, and contact lenses. The contact lenses benefit can be elected in lieu of lenses and frames. For problems of the eyes related to diseases (glaucoma, cataracts, tear duct maladies, etc.) and injuries, your medical insurance plan would provide the benefits to cover those problems..

As is commonly known, dental insurance is available to provide coverage for costs associated with dental services and maintenance. There are different areas or categories of coverage, such as Preventive (cleanings, check-ups, x-rays), Basic (fillings, simple extractions, repairs to dental appliances, some oral surgeries), Major (crowns, bridges, dentures, impacted tooth extractions), and on some plans, Orthodontia (braces). Like medical insurance there are two basic types of dental plans, HMO’s and PPO’s. The PPO variety allows more flexibility to see dentists of choice and covers a percentage of the costs up to an annual maximum. HMO’s, although less flexible.

C.A.R. members have many insurance options. You can click on the links below for information or call us at 1-800-588-8628. RealCare has been providing help and advice to Realtors since 1996. We are the only endorsed health insurance agency for C.A.R. If you have a "Qualifying Event" you can enroll within 30 days of that event. For more information click on our Eligibility Guidelines and General Plan Provisions or call us at 800-588-8628.