Personal Products

Home Coverage

You have worked hard for what you have. Your house is more than just a place for your stuff. It’s your home. Be safe, smart, and secure. Protect the people you love and the things you value with a thorough home package. Common parts or terms of property insurance are:

Family Liability
Guest Medical
Dwelling Protection
Dwelling Limit
Other Structures
Deductible
Personal Property or Contents
Extended Replacement Cost
Additional Living Expense or Loss of Use

Integrity 1st strives to understand exactly what you need for home and dwelling coverage. We want to make sure you are ready for whatever nature and life throws at you but we also can help you find out if you are over insured.

Auto Coverage

Auto Insurance is broad and the term “full coverage” doesn’t necessarily mean full coverage. At Integrity 1st, we take the time to discuss all the various coverage options available and what limits of liability would best protect your interests. Here are some typical coverage items/terms Integrity 1st will walk you through include:

Property Damage Liability (PD or BB)
Medical Payments (CC)
Coordinated Medical (CX)
Uninsured or Underinsured Motorist (UM, UIM or SS)
Collision (DD)
Comprehensive (HH)
Rental Reimbursement (UU)
Towing and Labor (JJ)
Replacement Cost Coverage (RC)
Loan or Lease Gap Coverage

At Integrity 1st we strive to ensure you are getting the best coverage for your insurance needs. Auto insurance helps protect you, your family and your car. Having insurance can also help restore your assets if they are lost or damaged & can also help protect you in the event of a lawsuit. What does this mean? We provide you and your family with greater peace of mind.

Life Insurance

Life insurance provides the knowledge that only comes from knowing that you’ve protected your loved ones.

In the event of your passing, life insurance provides a death benefit directly to your beneficiaries. They are able to use the death benefit for whatever they need to such as:

Supplementing for your lost income
Helping fund your child’s education
Helping pay off household debt
Helping pay for your funeral and other related expenses
Any any other expenses that may arise

In addition, Permanent Life Insurance offers an option to build cash value accumulation which can be put to good use during your lifetime.

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, an option to build cash value accumulation and the option for lifetime coverage, some form of Permanent Life Insurance may be a better choice.

Term Life Insurance Basics

May provide coverage for a specified period
Easy to understand
Affordable way to get maximum coverage
Premium increases after the specified period
You build no equity

Permanent Life Insurance Basics

Protection for your whole life, as long as sufficient premiums are paid
Can build equity in the form of a cash value accumulation
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 Insurance Together

Don’t think that you’re limited to one form of insurance over another; you may find that a combination of Term and Permanent Life Insurance meets your needs best.

Umbrella Insurance

What happens when all the liability coverage on your auto, home, boat, or other policy runs out due to heavy expenses? You can either spend years paying the difference out of your own pocket, or protect yourself and your assets with an umbrella policy.

An umbrella policy is a special policy that protects you and your assets when your primary liability has been used up. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful.

Long Term Care

Life is a risky business. You can’t control or predict it. But you can make a plan.
Help Protect What You Love
Long-term care can be expensive, and most types of insurance don’t cover it. Buying a long-term care insurance policy helps protect against the high cost of long-term care, should the need arise. It can help protect:

Your family’s resources – their time, energy, and money
Your independence – your ability to participate in choosing how and where you want care
Your assets – preserving your savings

What Does Long-Term Care Insurance Pay For?
While each policy has exclusions and limitations, generally, this insurance covers expenses for:

Home health aides
Skilled nursing
Assisted living
Nursing homes

Health Insurance

Health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). With the current high costs of medical exams, treatment, and prescription drugs, health coverage has become essential to our financial well-being. Health insurance provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. A variety of individual and family plans are available:

Traditional co-pay plans
Lower-cost plans without co-payments
High deductible HSA-compatible plans
Catastrophic health insurance plans

Critical Illness

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It helps give you the freedom to:

Get the treatment you want
Spend time with your family and friends
Keep your home and other assets

Determine Your Need

Although medical insurance and other insurance coverages you may have are essential, they won’t cover everything. Medical treatment has never been better, but is also expensive. People today can experience financial hardship because of the expenses their insurance does not cover. Critical illness insurance could be a strong supplement to other health insurance. Determine if you need critical illness by learning more about what it covers.

Plan Details

Because our critical illness insurance pays you a cash benefit upon diagnosis* of a covered critical illness or condition, you choose how to spend it:

Make payments on your mortgage
Pay medical bills
Hire help for around the house
Take a family vacation

Critical Illness does not replace the need for health insurance.

Companies Integrity 1st Works With & Trusts

Seth Janz is registered to offer securities in the states of Colorado, North Dakota, Minnesota, and Iowa, and insurance products in the states of Colorado, North Dakota, and South Dakota. This is not an offer to sell or solicit securities or insurance in any other state or jurisdiction.