How Much Life Insurance is Enough?

Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.

How much life insurance is right for you?

Based in Little Rock, at the Insurance Pros of Central Arkansas agency, we understand the life insurance needs of our customers.

The necessity of life insurance depends on your own personal and financial needs. We assist and help you determine the type and amount of life insurance that is appropriate for you and your family. Generally, you should consider life insurance if:

• You have a spouse

• You have dependent children

• You have an aging parent or a physically challenged relative who depends on you for support

• Your retirement savings are not enough to insure your spouse’s future against a rising cost of living

• You have a sizable estate

• You own a business

Additional benefits of life insurance other than providing for your loved ones, in case something happens to you include:

• The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.

• The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.

• Life insurance can be used to cover funeral expenses and pay estate taxes — consult your tax advisor agent in your nearest city for more information.

The right coverage for you is unique – talk to us today at Insurance Pros of Central Arkansas: (501) 801-7767, and find out how to protect your family and your future with the right life insurance.

Health Insurance

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Insurance Pros of Central Arkansas.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Insurance Pros of Central Arkansas can help you find an affordable healthcare plan that’s right for you. Call (501) 801-7767 and talk with one of our friendly agents today to learn more.

What are the major types of health insurance policies?

There are basically three major types of health insurance policies to choose from: Consumer-Directed, Fee for Service, and Managed Care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.


A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.  

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of-service (POS) plans.

Common Health Insurance Terms

When discussing health insurance with a Insurance Pros of Central Arkansas agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

Deductible--the amount of money you pay toward medical bills before your insurance coverage begins.

Co-pay--a specified amount of money you pay  up front for doctor visits and prescription refills.

Coinsurance--the percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call Insurance Pros of Central Arkansas at (501) 801-7767 and talk with one of our agents today. We’re right here in Little Rock, ready to guide you toward a more secure future.

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9108 N. Rodney Parham Rd. Ste 101 | Little Rock, AR 72205 | 501.801.PROS (7767)

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