Life & Health Insurance

HGEA MEMBERS

Life insurance is insurance for you and your family's peace of mind.  Some forms of life insurance may pay benefits to the insured when terminally ill, and may have an increasing cash value that is accessible to the owner of the policy. Royal State Insurance has experience with all types of policies and represent many insurance companies that offer them.

Group Term Insurance - Term life insurance can be an economical way to protect the financial security of yourself and your family.  Here are three products available to HGEA members.

Group Term Life Insurance – Affordable coverage available at $20,000, $50,000 and $80,000 benefit levels.  HGEA members must be 18-59 years old to enroll.  Rates increase every 5 years from age 30.

Royal Group Term Life Insurance – Higher benefit coverage available at $50,000, $75,000 and $100,000 levels.  HGEA members must be 18-49 years old to enroll.  Rates increase every 5 years from age 35.

Specialty Group Term Life Insurance - $50,000 benefit coverage is available as long as the HGEA member  is actively at work at least 20 hours per week.  Rates increase every 5 years from age 30.


Royal Term Advantage – A term insurance plan for HGEA members that you can set-up to have lower coverage (and premium payments) during the years when you don’t need as much.  This plan also allows you to exchange it later to a permanent plan with growing cash value and a death benefit.


Group Accident Insurance – HGEA members are eligible for FREE $2,000 Accidental Death and Dismemberment coverage.  There is an option to cover family members also.

Royal 21 Youth Protector – Only one payment of $380 (or 12 monthly payments of $32.18 per child) guarantees your child up to $25,000 in coverage at age 21.  At that time they will have the option to purchase up to $30,000 more in coverage with no underwriting requirements.

Insurance

HGEA Members are eligible for these AFLAC Products
Hawaii Fire Fighters are eligible for these AFLAC Products
Aflac Products available for you

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Long Term Care Insurance

Your retirement plan may be missing a key component - protection of your savings and income. Understanding Long Term Care Insurance can be a key tool in protecting your family and assets from the expenses of home care and care in a long term care facility. The Royal Insurance Agency can assist you with these important decisions:

    * Why purchase long term care insurance
    * How to compare policies and rates
    * Do you qualify for Medicaid (government assistance)

If you are not an HGEA member, we also represent the most respected names in the industry for Long-Term Care, Cancer, and other Supplemental Insurance Plans.

Click Here to Contact us.  An Agent assigned to you will help you assess your unique needs.  You can also find out how much you can save by purchasing now, rather than at a later age.