Medical costs are rapidly rising and a serious illness or accident can be financially devastating, assuming of course, one were fortunate enough to obtain decent health care without such coverage in the first place. Medical insurance protects you and your family against catastrophic medical expenses. Most policies can be customized to fit your specific needs and can include networks (PPOs) or traditional (any provider) plans. It is possible to select from a wide variety of options for personal or group policies, including deductibles, coinsurance, maternity, prescription drug card, dental, and accidental medical expense coverage.

Life insurance protects your family. It provides cash to cover outstanding debts (like a mortgage, credit cards, medical bills, etc.) and provide a steady cash flow in the event of your death. While dwelling on death might seem morbid, a bit of planning now can save your loved ones a great deal of pain and financial uncertainty in the future.

Disability coverage protects the income stream of a worker and his family (or your business) in the event a wage earner becomes disabled. These wage replacement policies can be flexibly tailored to provide long or short term disability benefits dependent on the needs of the client. Southern Agency offers group and individual policies.