Individual Products and Services

PSH Insurance, Inc. has access to over 40 high-quality insurance companies. After a review of your specific insurance needs, we can select a company to provide the type of benefit, design, and cost to meet your individual goals and objectives.

Our commitment to quality means we will only recommend quality insurance carriers. We base our recommendations on the following criteria:

  • Carriers rated "A" or better by the major rating firms.

  • Products that have a stable history.

  • Companies with a solid track record for exceptional customer service.

  • Products that provide flexibility to meet the needs and objectives of our clients.

  •  Life Insurance - Whole Life, Universal Life, Index Universal   Life, Survivor Life, Term.

  • Long Term Care

  • Annuities

  • International Medical Plans

  • Medicare Bridge Plan

  • Cancer/Accident/Hospital/Critical Illness Plans

  • Financial Calculators

Whole Life Insurance provides coverage for life and cash surrender values for future use that you can borrow.
 

Universal Life Insurance provides coverage for life with flexible premiums, level or increasing coverage and cash surrender values for future use that you can withdraw or borrow.

Index Universal Life Insurance provides coverage for life with flexible premiums, level or increasing coverage and cash surrender values that are based on Standard and Poor’s index for future use that you can withdraw or borrow.
 

Survivorship Life Insurance insures two people and death benefit is paid when survivor dies. The product can be either Whole Life or Universal Life.

 

Term Insurance provides temporary coverage for a specific period of time and minimal cost.

Long Term Care Insurance helps to pay for the cost of care when you are chronically ill, physically disabled or cognitively impaired.

Annuities are products that can be used to accumulate tax-deferred interest which can be used as supplemental retirement plans or a way to fund Long Term Care.
 

International Medical Plans are for U.S. residents who travel to foreign countries and for international travelers visiting the U.S.
 

Medicare Bridge Plan are medical plans that can insure resident aliens who are 65+ residing in the US for the first 5 years before they can qualify and apply for Medicare.
 

Cancer, Accident, Hospital, Critical Illness Plans provide tax free cash benefits based on a schedule and may also include wellness benefits and or initial diagnosis.