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(712) 263-6696 Denison, IA

Life & Health

Health & Life Insurance Coverage In Iowa


Health Insurance

Health insurance is insurance against the risk of incurring medical expenses. Picking a new health insurance plan can be overwhelming. Let a Lenz insurance agent help you pick a health insurance plan that's right for you.

 

Medicare Supplemental Insurance

Medicare Supplement Insurance, or Medigap, helps you pay for heath costs that Original Medicare does not cover such as copayments, coinsurance and deductibles.

Long Term Care

We provide long-term care insurance coverage to help you cover the cost of medical care when you have a chronic medical condition, disability or disorder. It can cover assisted living facilities, nursing homes, at-home care and other long-term care services.

Life Insurance

Universal Life Insurance

Permanent life insurance with an adjustable death benefit and flexible premium payments. Premiums pay the cost of insurance protection and create cash value. Tax-deferred interest adds to cash value. Withdrawals and loans are available.

Term Life Insurance

Temporary life insurance for a specified period of time. If the insured dies within the term period, a death benefit is paid to the named beneficiary. Protection ends if the insured is still living at the end of the term period, unless the policy is renewed.

Instant Issue Term Life Insurance

Temporary life insurance for a specified period of time. Policy is applied for and issued instantly, while the client is in the agent's office. If the insured dies within the term period, a death benefit is paid to the named beneficiary. Protection ends if the insured is still living at the end of the term period, unless the policy is renewed.

Whole Life Insurance

Permanent life insurance that provides a guaranteed death benefit and guaranteed premium payments. Premiums pay the cost of insurance protection and create cash value. Tax-deferred interest adds to cash value. Loans are available.