Auto Insurance
The Rainville Agency offers multi-policy
discounts, first accident forgiveness for qualifying customers and top
companies (one of them does not penalize you for long commutes!).
Many people choose the Rainville Agency
to insure their autos because of our competitive prices. We will find the
lowest rate for you. We also provide the highest level of customer service.
We also insure RV's, motorcycles,
boats and more!
To receive a quote for insurance please contact us
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Home Owners Insurance
The Rainville Agency offers innovative
state-of-the-art coverage for your home and personal property. Homeowners,
personal property, renters, landlords, fire, flood, liability and other
insurance policies are available.
To receive a quote for insurance please contact us
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Life Insurance
All policies are not the same. Some give
coverage for your lifetime and others cover you for a specific number of
years. Some build cash values and others do not. Some policies combine
different kinds of insurance, and others let you change from one kind of
insurance to another. Some policies may offer benefits while you are living.
Your choice should be made based on your needs and what you can afford.
The Rainville Agency will help you determine which coverage is best for
you.
Decreasing Term - Level Premium, Decreasing
Coverage, No Cash Value: Suitable for financial obligations which reduce
with time; e.g., Mortgages or other amortized loans.
Annual Renewable Term - Increasing Premium,
Level Coverage, No Cash Value: Suitable for financial obligations which
remain constant for a short or intermediate period; e.g., income during
a minor's dependency.
Whole Life - Level Premium, Level Coverage,
Cash Values: Cash value typically increases based on insurance company's
general asset account portfolio performance. Suitable for long term obligations;
e.g., surviving spouse lifetime income needs, estate liquidity, death taxes,
funding retirement needs, etc..
Universal Life - Level or Adjustable
Premium and Coverage, Cash Values: Cash values increase based on the
performance of certain assets held in the company's general account. Suitable
for long-term estate liquidity, death taxes, funding retirement needs,
etc.
Single Premium Whole Life - Entire Premium
is Paid At Purchase, Cash Values, Level Coverage: Provides protection
as well as being an outstanding asset accumulation vehicle.
To receive a quote for insurance please contact us |
Health Insurance
As an independent agency, we offer a variety
of group and individual insurance programs, and most major health insurance
carriers. Some of the types of individual or group coverage we offer are
listed below.
Comprehensive Plans - These plans offer
an annual deductible, with an annual out of pocket limit. Typically they
don't require you to use a doctor from a network.
PPO's (preferred provider networks)
- This type of plan is typically characterized by a low per-cost visit
payment and a list of participating physicians. Severe penalties are levied
for using non-participating providers.
Managed Care (sometimes called HMO's)
- These plans require you to use a_primary care physician who acts
as a gatekeeper. You must use participating providers that require a referral
from your primary physician. No regular or emergency coverage is provided
without a referral unless it is for a life-threatening condition.
Medical Savings Accounts - This
is a variation of the Comprehensive plan, except you have a very high personal
or family deductible and you contribute to the savings plan with tax deductible
dollars. You may contribute and deduct 70% of the deductible and deduct
it from your taxable income every year while accumulating either medical
or retirement funds. The pre-tax money may be used for most medical purposes,
including dental or plastic surgery.
Combination Plans - For groups of
25 or more, we may be able to give options of HMO, PPO or Comprehensive
Plans to the employees.
To receive a quote for insurance please contact us |
