Life, Health and Accident Insurance

Planning for a Lifetime

How do you plan for a lifetime when so much is unknown? The sooner you start planning, the more—and better—options you have. Hylant offers professional guidance and vetted solutions to make the process easier.

Whether you're navigating life changes, planning for retirement, or simply trying to protect your family’s future, having a trusted partner matters.

From life and health to accident and Medicare coverage, Hylant helps you make informed decisions with confidence. Our team listens first, then guides you toward solutions that fit your goals, budget, and stage of life.

Life Insurance

Life insurance coverage is a critical component of planning for the future. This coverage can offer financial protection to your loved ones in the event of your death. Balancing cost and coverage can be difficult – meeting with a qualified life insurance professional is the first step.

Primary Purposes of Life Insurance

Income Replacement: If you pass away, life insurance can replace your income to help your family maintain their lifestyle.
Debt Coverage: It can help pay off debts like a mortgage, car loans, or credit cards so your family isn’t burdened.
Funeral Expenses: It can cover funeral and burial costs, which can be quite expensive.
Education Costs: It can help fund your children’s education.
Estate Planning: For larger estates, life insurance can help cover estate taxes or be part of a wealth transfer strategy.

Types of Life Insurance

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time, generally ranging from 10 to 30 years, and pays a benefit only if the insured dies during the specified term. This is typically the most affordable option.
Permanent insurance provides lifelong protection as long as premiums are paid. These policies build a tax-deferred savings component you can use during your lifetime. This option is best for individuals wishing to leave an inheritance to loved ones, who have life-long dependents (such as children with special needs), or those wishing to use the cash value for supplemental retirement income. This is a more complex option and comes with a higher premium.

Talk with an Advisor

Health and Accident Insurance

Individual Health and Accident serves a wide range of purposes: coverage can help bridge gaps in coverage, cover you in the event of a life change, or supplement what you receive from your employer.

Individual Health Insurance

This type of insurance helps cover the cost of medical care, including:

Doctor visits
Hospital stays
Prescription medications
Preventive care
Surgery and treatments for illnesses or chronic conditions

It’s designed to help you manage the cost of healthcare and is often purchased by people who don’t have access to employer-sponsored health insurance or government programs like Medicare or Medicaid.

Individual Accident Insurance

This is a supplemental insurance that provides cash benefits if you're injured in an accident. It’s meant to help cover unexpected costs that your regular health insurance might not fully pay for, such as:

Ambulance services
Emergency room visits
Physical therapy
Lost wages
Out-of-pocket medical expenses
Childcare or household help during recovery

Accident insurance pays a lump sum directly to you, regardless of what your health insurance covers. It’s especially useful for people with high-deductible health plans or those in high-risk jobs or activities.

Our team can help you find individual health and accident coverage for all of life’s situations including:

Short-Term Health Coverage – For short gaps in coverage.
Dependents Turning 26 – Dependents aging out of family coverage.
Termination, Separation of Employment, or Reduced Hours – Coverage for individuals as an alternative to COBRA.
Early Retirement – We can work with you to obtain coverage before Medicare eligibility.
Individual Accident Coverage
Individual Dental Coverage
Individual Vision Coverage