Personal Insurance

We have All Your Insurance Needs

Personal insurance planning is one of the most important parts for a strong financial foundation.

Disability, major illness or injury, and death can create havoc and cause serious financial hardship—if you're not properly insured. Properly managing major life risks means having the right protection so a debilitating illness doesn't put an end to your income, a life-saving medical procedure can be performed without regard to cost, and your loved ones have money to live on when you're no longer here.

These catastrophes happen to every one of us ... sooner or later. If a major illness, disability, or death happens while you're still working, lack of protection—and even the wrong protection—can mean a lifetime of savings lost. If all your money is lost, what will happen to your life or the lives of others who depend on you?

At J.D. Ostdiek Insurance, we offer all of your insurance needs.

Life Insurance

If people depend on your income, life insurance can replace that income for them if you die. The commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government or employer sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

Life Insurance

Health Insurance

No one plans to be sick or get hurt. But you should plan to have adequate health insurance just in case an accident happens. No matter if it's mishap or routine doctor visit, J.D. Ostdiek Insurance can help you find the proper health care coverage to suit your needs. Call us today to find out your options (559) 227-1636

Long Term — Are You Covered? in Fresno, CA

Health Insurance

Disability Insurance

Next to health insurance, disability insurance is just as important to make sure you're covered in event of a crisis. If an accident happens and you're no longer able to work, disability insurance can replace lost income.Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. Contact us for more information (559) 227-1636

Disability Insurance

Long-Term Care Insurance

When your medical and disability insurance doesn't cover something adequately or you've been out of commission due to an accident then long-term care insurance is important to have. Many people think they have adequate insurance coverage and this may be completely true. Let J.D. Ostdiek Insurance check over your coverage to see if you have the best option available. We provide service for both personal and employer needs. Call today (559) 227-1636