Offering Personal Life and Health Insurance in PA, NY, OH, and NC Since 1930

Personal Life Insurance

There are two important things that we have learned while helping our clients with their life insurance needs for over 90 years. The first is that discussing life insurance can be uncomfortable at first and that having the right life insurance in place can be the greatest defense against sudden financial hardship. Our licensed customer service representatives are experienced in having these discussions and making sure they proceed as smoothly as possible. At TL Robertson Insurance Agency offer a wide range of life insurance products, which will help you to have flexibility in the coverage you decide to purchase. Below we will outline some of the important coverage solutions we offer and how each can serve as an important life insurance option for you to consider applying for.

Term Life Insurance

Among our most flexible life coverage options we can help you acquire is Term Life Insurance. While term life has a limited coverage period, it is often the most affordable solution available can often be structured to allow for you to convert it to Whole Life coverage. While we will describe some of Whole Life’s benefits below, buying Term Life Insurance in PA, NY, OH, and NC can allow you to obtain the protection you need today while also gaining the ability to convert your term policy to a broader Whole Life policy in the future. The amount of Term Life coverage you can purchase is highly flexible and easy to fit into nearly any budget. If you want to apply for coverage and work with our trusted team of independent life insurance brokers, we recommend contacting us to begin the process soon so you can buy the Term Life coverage you need!

Whole Life Insurance

When you purchase Whole Life Insurance, you are doing more than buying financial protection for your family when you pass away. In addition to insurance, you are paying toward equity in your life insurance policy. This provides opportunities like the ability to take out loans against your policy at pre-set interest rates. It also can allow you to sell your policy down the road should your coverage needs change. Though more expensive than Term Life coverage, Whole Life offers these benefits and many more, making it an important solution to consider. If you are interested in working with us to apply for Whole Life Insurance in PA, NY, OH, and NC, we invite you to contact us today. Our team of well-informed and licensed customer service representatives will be happy to speak to you and help you learn the ins and outs of Whole Life Insurance and to help you obtain quotes if eligible.

Universal Life Insurance

A Universal Life Insurance policy is unique in this coverage space in that it is a permanent life product that has a coverage amount that can vary. This is because the ‘cash value’ of the policy is affected by stock market conditions and earns interest. Additionally, Universal Life Insurance in PA, NY, OH, and NC allows you to borrow against or withdraw from your policy’s cash value, increase the death benefit, and have flexibility with premiums over time. A life insurance policy like this may seem complex, but when you speak to a licensed member of our team about it, you will find that the complexity is mostly related to its benefits. With its flexibility and benefits aside, Universal Life serves the same primary purpose any life insurance policy is intended for. Universal Life is one of the many life insurance solutions we offer, and if you are curious to learn about how it works and how we can tailor it to suit your needs, contact the TL Robertson Insurance Agency team to discuss applying for a quote.

Long-Term Care Insurance

Whether included as a rider to your life insurance policy or purchased separately, Long-Term Care insurance is a coverage that we highly recommend discussing with a licensed customer service representative on our team. It is impossible to know if you or your spouse will need long-term medical care as you age, but what is possible is predicting how expensive this care can be. One way to save yourself from costly out-of-pocket healthcare expenses in the future is by working with our team to acquire Long-Term Care insurance now. This coverage can be tailored to your unique circumstances and provide you with peace of mind knowing that your retirement savings can be protected from the high costs of long-term care. If you are interested in learning what Long-Term Care Insurance in PA, NY, OH, and NC can cost and what it covers, contact us today to learn more and discuss your needs with a licensed member of our team.

Individual and Family Health Insurance

One of the most confusing and complex types of insurance is Individual and Family Health Insurance. While millions have easy access to Health Insurance through their employers, others need to purchase it separately. Given how many options exist for Individual and Family Health Insurance plans, it is important to work with a licensed insurance professional who is well-versed in the nuances of the market. Thankfully, we offer exactly that at TL Robertson Insurance Agency, where we have over 90 years of experience serving the insurance needs of clients throughout Pennsylvania and beyond.

Individual Disability Insurance

If you are employed, your employer will be legally obligated to maintain Workers Compensation insurance intended to cover you for most job-related injuries. However, have you considered what would happen if you were injured while not at work? Off the job injuries can have the same impact on your ability to earn your income but are not covered by workers compensation insurance. This is where Indvidual Disability Insurance in PA, NY, OH, and NC comes in. With the right disability policy, you can be protected from income loss caused by off-job injuries and avoid financial disaster while you recover. Some employers will provide limited disability policies that can help to protect a portion of your income, but if you want to ensure you have adequate coverage based on your financial circumstances, we are here to help. Contact us today to discuss Individual Disability Insurance and learn more about the affordable solutions we can offer.

Fixed Annuities

You may have considered or purchased insurance solutions to protect you and your family if you were to get injured and become unable to work or if you were to pass away, but have you considered ways to ensure you have enough income in retirement? While you may be investing, saving money, planning to take advantage of your access to social security, there is another solution to consider. With Fixed Annuities, you can pay into a financial product today or over the coming years that will pay you back as fixed income in the future. Fixed Annuities can serve as an affordable and trusted complement to your other retirement solutions and our team makes acquiring them simple. If you are curious about how Fixed Annuities in PA, NY, OH, and NC can be structured and what one might cost, get in touch with our team to have a friendly and informative discussion.

Final Expense Insurance, Mortgage Protection Insurance, Dental Insurance and More

In addition to the most common solutions we offer, TL Robertson Insurance Agency is the agency to choose if you need help with other important coverage types like final expense insurance, mortgage protection insurance, and individual dental insurance plans. While these three insurance solutions are unrelated, they have proven valuable to our clients, and we can easily help you apply for quotes to help you round out your insurance package. Our independent insurance agency in Meadville, PA is always focused on working with clients to provide holistic insurance solutions, and these types of additional offerings allow us to do so. When you contact us to discuss your life and health insurance needs, be sure to ask for the full list of policy types we offer. This will allow you to learn more and consider your options, regardless of what you choose to purchase.