Health Insurance

If you are under the age of 65 and are looking for health insurance options, we have you covered!

You may need insurance because you are…

  • self-employed
  • in between jobs
  • your employer does not offer Health insurance benefits   

Already have health insurance?

Many people are not aware of how their coverage works until they need to use it. It’s extremely important you know the type of coverage you have, out-of-pocket costs, and limitations. At GSF, we want you to be proactive in understanding your health insurance coverage. 

We shop programs through the marketplace, and offer a variety of ACA creditable plans not available through the marketplace, to find the right coverage for you at the best price.

Final Expense

We understand it’s not an easy topic to discuss, but we all pass away at some point and need to have a plan in place for when that time comes. Otherwise, the cost of our final expenses (i.e., funeral, burial, cremation, services, etc.) is left to our loved ones once we are gone.

  • Ensure that premiums don’t increase and that the benefit does not expire at any point by having this coverage privately
  • Ensure that your family and friends will not be left with no choice but to come up with money out of pocket, or create a GoFundMe account to try to raise money for the costs
  • Ensure that there will be tax-free, probate-free money available to your family immediately upon your passing
  • The sooner you put a plan in place, the higher the benefits available
  • Funeral homes don’t wait for the estate to be settled before they need payment
  • The estate could go through probate, which can tie up your assets for up to two years
  • Can be customized to fit your budget
  • Something in place is better than having nothing at all

Dental & Vision

Dental

Already have coverage for eyeglasses and routine vision exams?  Do you know how much you pay per month or the policy’s annual maximum? Make sure to review the policy details with a GSF specialist and have the best coverage for the premium you pay!

Services many plans cover …

  • Cleanings
  • X-rays
  • Other basic services

Services some plans may or may not cover…

  • Crowns
  • Bridges
  • Root canals (up to the policy’s annual maximum)

Vision

Things to consider with vision insurance…

  • Private policies cover routine eye exam costs
  • Routine services are not covered under major medical plans
  • Without private vision insurance, people pay exam costs out of pocket

If you’re looking for coverage that helps the cost of eyeglasses, frames, lenses, and contacts we’re here to help!

Disability

What is disability insurance? 

Disability policies pay you a monthly benefit, for every month you are certified as unable to work by a doctor, due to injury or illness.

Have you ever thought about what you would do for income if you become unable to work? Many people suffer from injuries or illnesses that cause them to go on short-term, or long-term, medical leave. If this happens, are you and your family prepared for that loss of income? How will the bills get paid?

Things to consider with disability insurance:

  • Once unable to work, can’t qualify for any type of disability policy
  • Many employers offer this type of insurance, but many don’t
  • Limitations as to how much the policy pays and for how long
  • Policies are customizable
  • Plan ahead

Critical Illness

Do you know anyone who has ever had cancer, a stroke, or a heart attack? Do any major critical illnesses run in your family? Have you thought about the financial impact that one of the illnesses could have? Critical Illness insurance is affordable coverage, that everyone needs!

What is Critical Illness insurance?

These policies pay a cash benefit if ever diagnosed with any of the illnesses that the policy covers. 

People use this money to cover out-of-pocket costs in their medical insurance to pay a family member to help take care of them, replace lost income from being unable to work, or whatever else they like!

Things to keep in mind when it comes to disability insurance: 

  • Insurance companies don’t regulate what people spend this money on
  • Must have the coverage in place for at least 30 days before receiving the benefits
  • After 30 days if diagnosed with a condition covered in the policy, the insurance company writes a check for the benefit amount   

Hospital Indemnity 

What is Hospital Indemnity insurance?

 A hospital stay can be devastating to your health, family, and savings account. Even with health insurance, hospital bills can be very high. That’s when a Hospital Indemnity plan comes in to help alleviate the burden. 

  • Provides a cash benefit  if you were to go into the hospital
  • Provides peace of mind by offering customized protection that pays benefits in a time of need
  • Cash benefit helps pay for out-of-pocket hospital expenses, like deductibles and copays
  • Use cash benefits for whatever you see fit
  • Pays a lump sum, or daily benefit per day in the hospital, directly to the policyholder
  • Policies as low as $15 per month

Home & Auto

Home and Auto Insurance protects against financial loss if disaster strikes

What is home and auto insurance?

  • Home and Auto Insurance protects against financial loss if disaster strikes

Homeowners Insurance

  • Covers the cost of repairs to your home if it’s damaged by an insured event, such as a fire or windstorm
  • Pays for the cost of replacing lost or damaged property within the home

Auto insurance

  • Covers physical damage to your vehicle caused by an accident or other covered loss, such as theft
  • Pays for the cost of medical treatment for injuries or death to others in an accident involving the insured’s car

Protect yourself from financial hardship by making sure you have enough insurance coverage to replace everything you own in the event that it’s damaged or destroyed. If you’re unsure about how much coverage will be enough for you, a GSF specialist can help explain what options are available and what might be best for your needs.

Why it’s important to review your current cover? 

Did you know that the average cost of home insurance in the United States is $1,242? According to the Insurance Information Institute, homeowners insurance costs increased by 2.6% from 2017 to 2018. That’s a lot!

Auto insurance rates are rising as well. The average auto insurance premium rose by 4% from 2017 to 2018—a total of $185 more per year for the typical policyholder.

The good news is that there are ways to lower these costs: 

  • Golden Shield compares quotes from multiple companies to find the best price for your needs
  • Get a discount by bundling policies together 
  • Get a discount by adding an alarm system or other security measures

Business & Commercial

Far too often, we receive messages from people who have just suffered a tremendous loss of a horse with no insurance and are now in a hard place trying to replace them.

Don’t wait until a loss to think about insurance. In the horse world, it’s not a matter of if, but when. While we can’t take the emotional burden away, we can help ease the financial burden.

Shopping for equine insurance, but not sure where to start? Let’s talk about why you should work with Golden Shield Financial!

Savannah Freeze, our Equine Specialist, grew up in the equine industry and is actively involved today. Whether it be rodeo, ranching, cutting, pleasure, or cow horse, you can have comfort in knowing she is educated and here to help you decide what kind of coverage is best for your needs!

  • By horse people, for horse people. 
  • No annual fees
  • Mortality coverages start as low as $200 a year
  • Free $5,000 emergency colic surgery included for qualified horses
  • $425 deductible per major medical claim
  • NO co-pays