Crocker Life & Health is an independent life and health insurance brokerage specializing in Medicare and solutions for seniors. We offer Medicare Advantage plans, Prescription Drug plans, and Medicare Supplement (Medigap) plans. We also assist clients with annuities, life insurance, voluntary payroll reduction insurance products for small businesses, disability insurance, and long term care insurance.
We have over thirty years of experience within our team and look forward to the opportunity to help you find the best possible product for you and/or your loved one.
We have over thirty years of experience within our team and look forward to the opportunity to help you find the best possible product for you and/or your loved one.
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Michael has lived in the upstate of South Carolina for thirty years. He is a graduate of the University of Southern Mississippi with a B.S. in Industrial Engineering Technology. In addition to insurance sales, he is the director of the NewStart Church/Bread of Life Food Pantry and is an active volunteer in working with the homeless and hungry of Greenville County.
Insurance is protection against the uncertainties in life. Losses due to property damage, theft, illnesses, or death can occur at any time, without warning, and these losses can result in unanticipated financial burdens if they are not planned for in advance. Insurance is a major part of that planning process.
Life insurance basics: In a nutshell, the purpose of life insurance is to pay a sum of money to one or more people (called beneficiaries) when another person (the insured person) dies. Consider a typical household consisting of a married couple and two children. The man might choose to take out a policy on himself for $1 million.
Even when they lack life insurance through an individually owned policy, many people have group life insurance. Group life insurance is insurance that is provided by a group such as a labor union or employer. Group life insurance covers groups of people who are independent of each other, except through their joint connection with the group under a single contract.
In order to qualify for a group life insurance policy, the group must be what is known as a "natural" group. In other words, the group members must share a formal connection other than the insurance itself. The group cannot be organized strictly for the purpose of obtaining group insurance. For example, a group of neighbors cannot form an association simply to qualify for group insurance.
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