Insurance Solutions

CTA Insurance Services is in the business of helping individuals, families and business protect themselves against the financial consequences of unexpected property damage, litigation, injury, illness and death. As an independent insurance broker, we are able to work with a select group of leading insurers to find insurance solutions to meet almost any client's needs. We work for you, not an insurance company. We believe in giving our clients honest and straight-forward advice. We are your insurance broker. We deal with a large number of top insurance companies to give you a broad range of personal and commercial insurance products.

As you progress in life, your needs change. CTA's unique approach to insurance starts by our getting to know you, working together to develop a mutual understanding of your specific needs and how we can best address your needs. We then seek out insurance products best suited to your specific requirements and work with you to develop an insurance program specifically tailored to you .

Auto and Home Insurance

Auto insurance provides you with important financial protection against bodily injury and property damage that arise from automobile accidents. In addition to minimum legal requirements, you should consider other types and amounts of coverage for your individual needs. We'll help you put together an auto insurance policy that's just right for you, your family, your passengers, and your assets.

Quality personal insurance products add peace of mind and security to your life. cta hansen insurance services offers insurance for Homeowners, Dwelling Fire, Mobile Home, Condo/Renter's, Personal Watercraft, Comprehensive Personal Liability and other Insurance policies you may need.

Auto and Home Insurance Companies We Represent

  • AIG
  • Travelers
  • Lloyd's
  • Colony
  • United States Liability Insurance Group
  • Sentry Insurance
  • SUA
  • Great American Insurance Group
  • Century Insurance Group

We can also write policies through:

  • Adriatic Insurance Company
  • American Builders Insurance Company
  • American Vehicle Insurance Company
  • ASI
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Business and Commercial Insurance

cta hansen insurance services can help your business protect yourself against all risk including:

Business Owner's Policy (BOP)

A BOP is a package that bundles property and liability insurance together through one affordable premium. The coverage is relatively broad and meant to appeal to small businesses with 100 or fewer employees.

General Liability

A form of insurance designed to protect owners and operators of businesses from a wide variety of liability exposures. These exposures could include liability arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured, and contractual liability.

Directors & Officers (D&O)

A form of insurance designed to protect owners and operators of businesses from a wide variety of liability exposures. These exposures could include liabilty arising out of accidents resulting from the premises or the operations of an insured, products sold by the insured, operations completed by the insured, and contractual liability.

Business Insurance Companies We Represent

  • AIG
  • Travelers
  • Lloyd's
  • Colony
  • United States Liability Insurance Group
  • Sentry Insurance
  • SUA
  • Great American Insurance Group
  • Century Insurance Group

We can also write policies through:

  • Adriatic Insurance Company
  • American Builders Insurance Company
  • American Vehicle Insurance Company
  • ASI
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Worksite Benefits

Voluntary Benefits

As the U.S. health coverage environment evolves, working Americans increasingly are turning to voluntary employee benefits to supplement core coverage. Voluntary benefits can offer added financial security to employees, with no direct costs incurred by employers.

Insurers including Kanawha Insurance Company, a Humana company, AFLAC or Allstate Worksite Benefits are responding to this need. Through comprehensive voluntary benefit products and services, employees are gaining access to enhanced coverage’s that otherwise might not be available to them. CTA can design and implement a fully integrated plan through payroll deduction that includes:

Disability

Voluntary disability insurance provides benefits over and above basic health insurance, offering eligible employees income protection insurance in the form of benefits that partially replace income lost as a result of a disabling non-occupational accident or illness. When such an event takes away the ability to bring home a paycheck, voluntary disability insurance coverage can help fill the gap as payments may be used for any purpose including ongoing bills such as rent, mortgages, educational expenses, food, and car payments.

Plan variables may include:

  • Combination benefits covering accidents, sickness or both
  • Coverages including off-the-job coverage, 24-hour coverage or both
  • Elimination periods, which are the number of continuous days (beginning with the first day of total disability) before any monthly benefit amount is payable
  • Benefit periods for which monthly income benefits are payable after the elimination period ends (such periods often include choices of 90 days, six months, one year, two years or three years)
  • Portability, depending upon whether the plans are offered on an individual or group chassis and the length of time an employee is employed before employment is terminated (either voluntary or involuntary)
  • Optional riders covering categories such as emergency accidents, outpatient sickness, hospital indemnity and COBRA

Health

As health care costs continue to rise, the value of supplemental insurance coverage increases. Voluntary health insurance serves as supplemental insurance to an individual’s existing health insurance plan, helping employees meet their financial obligations when they are hospitalized or incur expenses when receiving outpatient or inpatient treatment. Cash benefits can be used to help offset the loss of income, experimental treatments, transportation to doctors and treatment facilities, or for normal living expenses.

Accident

Offering protection beyond basic health coverage, voluntary accident insurance provides supplemental on- or off-the-job coverage and may cover deductibles and other services standard health care coverage may not provide. Some voluntary accident insurance products can be both a reimbursement and an indemnity insurance policy – expense reimbursements paid are for actual charges or up to the maximum amount stipulated per selection.

Embedded benefits of accident insurance may include:

  • Accident medical expense
  • Ambulance benefit
  • Hospital confinement
  • AD&D
  • Optional benefits/riders such as accident total disability, hospital intensive care, bone fracture and dislocation, and coverage for spouse and children

Specified Disease/Cancer

When an individual is first diagnosed with cancer, heart attack or stroke, his or her life is interrupted in many ways: physically, emotionally and economically. Employers demonstrate their concern for their employees who face such challenges by offering voluntary specified disease (including cancer) insurance. Such plans help an individual’s ability to maintain adequate earnings for everyday living expenses.

Benefits for voluntary specified disease insurance including cancer expense policies may be paid either through a lump sum or an annually restorable policy.

Premiums for lump sum policies do not increase with age and are typically payable until the policy is paid up at a specified age (or predetermined number of years), or until a claim is incurred. Often, specified disease lump-sum policies offer a return of premium rider, which allows premiums to be refunded if the policy remains continuously in force and no claim is paid during the term of the policy.

Lump sum cash payments typically allow benefits to be used for any purpose, including:

  • To help offset the loss of income
  • Deductibles, copayments and scheduled benefit limitations
  • Treatments considered experimental
  • Transportation expenses to and from doctors and treatment facilities
  • Normal living expenses (mortgages, car payments, utility bills, child care, groceries, credit card bills, etc.)

Annually restorable policies help offset expenses incurred for treatment of covered diseases. Payments typically are more focused toward inpatient or outpatient services as well as supplies and treatments such as hospital room and board; drugs and medicines; laboratory services; and medical or surgical services.

Features of such plans may include:

  • Annually restorable benefits
  • Travel and wellness benefits
  • Payment in addition to other coverage
  • No deductibles
  • Portable coverage
  • Issue ages (often ranging from late teens to early 70s)
  • Family coverage
  • Guaranteed renewable for life

Administrative Services (Section 125)

Benefiting both employers and employees with potential tax savings, Section 125 of the Internal Revenue Code allows employees to designate pretax dollars toward insurance premiums, medical care and dependent care expenses. These funds are not subject to Social Security, Federal and most state taxes, thus lowering an employee’s tax liability. In turn, lower payrolls can potentially reduce employers’ payroll tax costs and, in turn, reduce Federal and/or state unemployment tax contributions and workers’ compensation premiums.

Life

Voluntary life insurance plans allow employers to provide, at no cost to them, life insurance to eligible employees at rates that reflect group economies of scale. Some products offer “life and lifestyle” insurance in one policy, which can be accessed when health, life and death circumstances require. Considered life insurance, such products allow employees to receive a benefit while living.

Two primary types of life insurance are term life and whole (or permanent) life.

Term life insurance, an original or “pure” insurance form, offers protection for a specified period of time and builds no cash value. If the insured dies during the specified term, policy benefits are paid to beneficiary/ies. Products offer varying durations and benefit amounts and often include embedded benefits for terminal illness and AD&D. Coverage durations can be annual renewable or “level” for periods such as 10, 15, 20 and 30 years, during which the premiums remain unchanged. Coverage may be portable and riders for items such as critical illness/total disability, quality of life, increasing death benefits, AD&D and families are often available.

Whole life insurance can play a role in meeting current as well as future financial needs. Consisting of a permanent life insurance policy that protects the policyholder through his/her life, whole life insurance offers a completion of premiums at a predetermined age. Features of whole life plans include premiums that remain level throughout the life of the policy, guaranteed renewable protection that cannot be reduced and accumulated cash values that can be withdrawn (upon the policy’s surrender), borrowed against as a loan, annuitized or used to purchase extended or reduced paid-up insurance. Some whole life plans may also include dividends paid annually and guaranteed cash values.

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Health and Dental Insurance

Why should you insure through our professional services?

We are independent professional insurance advisors dealing with large, major insurers. We act on behalf of you, our client, undertake all the detailed discussions and negotiations on insurance matters for you. We will research the insurance market to obtain the best insurance protection to meet your needs, at a competitive price. We will regularly review your policies ensuring that the policy is appropriate, and that you remain well protected. We may also suggest amendments to the policies in the light of market changes or changes in your situation. If you have difficulties with your claim, we will help you. If you find you need surgery or high cost treatments, all you have to do is call us and we can do the prior approvals and arrange claiming. We aim to save you costs and improve the effectiveness of your coverage.

Group plans are offered through an employer or association, Individual or non-group plans are purchased directly from an insurance company. There are different options that may be available under a group plan or to an individual.

Fee-For-Service plans are often called traditional or indemnity health insurance. The health insurance company pays the bills after services are received by the insured.

Managed Care plans refer to a variety of health insurance programs such as:

  • Health Maintenance Organizations (HMOs) which are organized systems for health care that provide comprehensive services directly to enrolled members for a fixed, periodic fee. They provide or arrange health care services through a network or group of health care providers.
  • Preferred Provider Organizations (PPOs) are groups of doctors, hospitals and other health care providers that have contracts with health insurance companies. The providers agree to serve the company's members and charge negotiated rates. These become the company's preferred providers.
  • Point of Service (POS) is a health care plan that allows enrollees to choose whether to receive a specific service from a contracted preferred provider or a non-contracted provider. POS plans are a combination of either an HOME or PPO plan with a traditional indemnity plan.

Health Insurance Companies We Represent

  • BlueCross BlueShield of South Carolina
  • BlueChoice HealthPlan
  • Shenandoah Life Insurance Company
  • Starmark
  • United Healthcare
  • Wellpath
  • Trustmark Insurance Company
  • Securian
  • AIG
  • Cigna
  • Kansas City Life Insurace Company
  • UniCare
  • Human
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Life Insurance

Life insurance gives you the peace of mind you only get from knowing that you've protected your loved ones.

In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want, such as:

  • Make up for your lost income
  • Fund your child's education
  • Paying off household debt
  • Paying for your funeral and other related expenses

In addition, Permanent Life Insurance offers a cash value component which can be put to good use during your lifetime.1

The Two Types: Term & Permanent

If you want life insurance for a limited time — long enough to meet your anticipated responsibilities to those who depend on you, but not longer — Term Life Insurance may be right for you.

If you value added security, flexibility, cash value and lifetime coverage, some form of Permanent Life Insurance may be right for you.

Term Life Basics

  • Provides coverage for a specified period
  • Easy to understand
  • Affordable way to get maximum coverage
  • Becomes expensive after the specified period
  • You build no equity

Permanent Life Basics

  • Protection for your whole life, as long as sufficient premiums are paid
  • Can build equity in the form of a cash value
  • Offers flexibility and many options to choose from
  • Initially higher premiums than Term, but generally more cost-effective in the long run

Term and Permanent Life Together

Don't think that you're limited to one or the other; you may find that a combination of Term and Permanent Life meets your needs best.

For example, the foundation of your life insurance plan could be Permanent Life, supplemented by Term Life during your family-building, mortgage-paying years when coverage needs are typically higher.

Sample List of Carriers

  • American General Life Companies
  • Genworth Life and Annuity Insurance Company
  • ING ReliaStar Life Insurance Company
  • ING ReliaStar Life Insurance Company of NY
  • ING Security Life of Denver Insurance Company
  • ING USA Annuity and Life Insurance Company
  • John Hancock
  • Lincoln National Life Insurance Company
  • MetLife
  • Protective (PPGA-PLB)
  • Protective Life (Institutional)
  • Prudential Financial
  • Transamerica Life Insurance Co.
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Worker's Compensation

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employees from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Workers' Compensation Insurance Companies We Represent

  • AIG
  • Travelers
  • The Hartford
  • Zurich
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Claims

Progressive
1-800-776-4737
Travelers
1-800-252-4633
SafeCo
1-800-332-3226
Metlife
1-800-854-6011
Foremost 1-800-527-3907

Click on a name above to visit their website or call the number listed.

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