ARROW Risk Management, LLC

Our Independent Insurance Agency can be accessed by clicking below: 

link:  www.ARROWRisk.com

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    LIFE * HEALTH * DISABILTY * LONG-TERM CARE

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Life Insurance

It's for the people that depend on you.

Life Insurance is to protect those who you love, or who depend on you from financial difficulty when you die. Life insurance is for the living. 
 
There are many ways to purchase life insurance, ranging from temporary life insurance which protects from your death if it occurs during a defined period of time, to permanent life insurance which is designed to be in force until your death and accumulates a cash value over time.
The cost is often less than you might think, and the value is something you can enjoy now when you look in the eyes of your loved ones. Contact us now or click the button below to learn more about the options.

Health Care

For your employees, your family, yourself

Affordable health care cost and a quality health care plan can be a challenge for businesses, families, and individuals. We have the ability to offer you a health care plan that best meets your needs. We offer plans by Blue Cross Blue Shield, Health Plus, HAP, Care Choices, American Community, and more. 
 
You can select health care plans that fit your budget and provides quality in patient hospital care and doctor services across the U.S.A.

 Professional care can drain resources

As people grow older, the possibility of an extended stay in a nursing home or the need for 24/7 care becomes an increasing concern. Such care is not unlikely and can be extremely expensive. Without long term care insurance, when the need arises the options to provide care for a parent can be extremely limited:

• quit your job
• deplete your life savings
• some variation on the above.

The need can't be ignored. The cost of long term care can be covered by a long term care insurance policy, and with careful design can provide options for quality care for a parent or yourself while preserving financial stability. Learn more about the options.
 

Disability Insurance

Easily overlooked. More likely to be needed.

Disability insurance could actually be more important than life insurance. The loss of income that a family can experience if the key wage earner becomes disabled can be devastating.

• You fall from a ladder while painting your home and, land on your tail bone sustaining a painful and debilitating back injury.
• While camping, a log is tossed on the fire and hot embers are splashed into your eyes causing serious damage.
• You are riding your bicycle, hit some loose gravel, and lose control. There are many simple causes of serious injuries that can be temporary or permanent. Your health policy may pay for the medical costs, but it won't pay for the loss of income that results from your inability to work. A disability policy can be designed to protect you from such devastating outcomes. It may be one of the most important insurance policies you ever buy. 

 Long Term Care

Professional care can drain resources

As people grow older, the possibility of an extended stay in a nursing home or the need for 24/7 care becomes an increasing concern. Such care is not unlikely and can be extremely expensive. Without long term care insurance, when the need arises the options to provide care for a parent can be extremely limited:

• quit your job
• deplete your life savings
• some variation on the above

 The need can't be ignored. The cost of long term care can be covered by a long term care insurance policy, and with careful design can provide options for quality care for a parent or yourself while preserving financial stability. Learn more about the options.