DAVE KELLY INSURANCE

A policy with a set duration limit on the coverage period. Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage terminate. This type of insurance policy contrasts with permanent life insurance, whose duration extends until the policy owner reaches 100 years of age (i.e. death).

As an independent agent, Dave Kelly will shop dozens of life insurance carriers for the right fit and right price for you.

Disability-Income (DI) Insurance

An insurance product that provides supplementary income in the event of an illness or accident resulting in a disability that prevents the insured from working at their regular employment. Benefits are usually provided on a monthly basis so that the individual can maintain their standard of living and continue to pay their regular expenses.

Dave Kelly will find the right plan to protect your paycheck based on your unique situation.

Long-term care is different from the rest of your health care, and it's not typically covered under health insurance policies, HMO plans, Medicare or Medicare supplemental policies. Health care plans are designed to provide coverage when you receive care from a doctor or treatment in a hospital. Some may also cover nursing home care or home care -but typically, only on a short term or limited basis. 

Long-term care includes personal care, such as help with bathing, eating or dressing that you require over a lengthy period. That's why it can be very expensive. Long-term care can range from simple assistance with activities in your own home or a residential care facility or it can mean highly skilled care in a nursing facility. The possibility of needing long-term care due to an illness or physical disability is something most people would rather not think about. But as we get older, and because we are living longer, the likelihood that we will need some kind of assistance is very real. Long-term care coverage will help you live your life with dignity and with independence. .

Click here to read about the California Partnership for Long-Term Care.