Individual Insurance Products
Dental & Vision
We offer individual dental and vision plans for both seniors and adults under 65. Individual plans help ensure the oral and vision health for you and your family with affordable coverage. Most plans cover many essential preventative services such as:
- Annual visits (dental & vision)
- X-Rays (dental)
- Contacts & Frames (vision)
- And much more!
Accident, Critical Care, Hospital Indemnity
Accident, Critical Care, and Hospital Indemnity Plans cover costs resulting from emergencies, unexpected illnesses, and hospital admissions not covered by medical insurance. They add an extra layer of cost protection with copays and deductibles.
Telemedicine allows health care professionals to evaluate, diagnose, and treat patients without seeing them in person. This allows those in remote areas to receive quick medical attention via the internet without having to travel to an office.
International Travel Health Insurance
Most health insurance plans provide little to no coverage internationally. International travel health insurance provides an extra layer of comfort to those traveling the world in the case of a major injury or health emergency.
Identity Theft Protection
We are living in a digital age and there are more online resources than ever before. While the ease and convenience of the internet is intriguing, more people are victims of phishing schemes, data breaches, and account hacks much more frequently. Because of this, employers can benefit from offering identity theft protection as a voluntary benefit.
We offer multiple types of Identity Theft Protection:
- Synthetic ID Theft
- Social Security Number Theft
- Financial ID Theft
- Driver License Theft
- Tax Refund Fraud
- Child Identity Theft
Final Expense (Burial Policy)
Final Expense Policies, a burial policy, is a type of life insurance designed to cover the cost of a funeral and/or cremation expenses. The policy pays the death benefit of your policy directly to your beneficiary.
Investment Advisory Services offered through O.N. Investment Management Company. Securities offered through the O.N. Equity Sales Company. Member FINRA/SIPC. One Financial Way, Cincinnati, Ohio 45242. 513/794-6794. HollandStivers & Associates, LLC is independent of the O.N. Equity Sales Company. Our representatives are licensed to sell health and life insurance in Alabama, Illinois, Kentucky, Missouri, Ohio, Tennessee, and Texas. Our representatives are licensed to sell securities in Illinois, Indiana, Kentucky, Missouri, Mississippi, North Carolina, and Tennessee. Early withdrawals may be subject to surrender charges (contingent deferred sales charges.) Withdrawals may be subject to ordinary income tax and, if taken prior to age 59 ½, a 10 percent federal tax penalty may apply. Fixed annuities are not insured or guaranteed by the FDIC or any other government agency. Variable annuities and Mutual Funds are sold by prospectuses which contain more complete information including investment objectives, strategies, risk factors, fees, contingent deferred sales charges and other costs that may apply. Please read the prospectuses carefully before investing. Past performance is no guarantee of future results. Variable annuities are long-term investment vehicles designed for retirement purposes. Early withdrawals or surrender charges may be subject to surrender charges (contingent deferred sales charges.) Withdrawals may be subject to ordinary income tax and if taken prior to age 59 ½, a 10 percent federal tax penalty may apply. Withdrawals reduce the death benefit, cash surrender value and any living benefit amount. Variable annuities are not insured or guaranteed by the FDIC or any other government agency and are subject to investment risks, including possible loss of principal investment. Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses. Asset allocation does not assure a gain and does not protect against a loss in declining markets.