Our Services
Health Insurance
Health Insurance
Health Insurance
You never know what life may throw at you. Make sure you always have the coverage you need! Click here for your FREE quote!
Dental
Health Insurance
Health Insurance
Whether it's your yearly visit or a specialized service. Make sure you have the right dental insurance to lower your cost! For more info:
Vision
Health Insurance
Long-Term Care, Life Insurance and Disability
Don't let a lack of coverage keep you from being able to see things clearly! Reach out to us today and get the coverage you need.
Long-Term Care, Life Insurance and Disability
Long-Term Care, Life Insurance and Disability
Long-Term Care, Life Insurance and Disability
Life happens. Planning and preparing are essential to taking the financial burden off of yourself and your loved ones. For more info click here to fill out our short questionnaire.
Travel Insurance
Long-Term Care, Life Insurance and Disability
Small & Large Group Health Coverage
Upcoming trip? Cruise? Flight? Does your insurance cover your trip abroad? No worries! No matter where go, make sure you have Travel Insurance made just for you.
Small & Large Group Health Coverage
Long-Term Care, Life Insurance and Disability
Small & Large Group Health Coverage
In business, more and more people are looking for employers who offer them coverage. Employer benefits and coverage can be a deciding factor in prospects wanting to join your company. Click here to see what Red Apple Insurance can do for you TODAY!
Senior Benefits
Senior Benefits
Senior Benefits
If you're 65 and older we offer a variety of Medicare Supplement, Medicare Advantage, and RX options for you. Click here for more info!
Terminology
Term:
These are policies with an expiry date. They’ll cover you for a set period. When that period expires, so does the policy. These policies are less expensive, the downside being that you’re betting you’ll die before the policy expires
Whole:
This policy pays out on death. As long as you keep paying your premiums, your cover remains in effect. The premiums are more expensive because the policy will, at some stage, pay out. These policies may accrue a cash value too.
Universal:
This policy is similar to the whole life one except that it’s more flexible. You can opt to adjust premium payments, death benefits, and so on. On the flip side, this policy is more expensive than term insurance. It’s also a complex policy.
No-Exam:
This policy is for those who are not sure they can pass an insurer’s physical. With these policies, you don’t have to have a physical. Naturally, you’ll pay for that privilege.
Individual:
Individual premiums are the type you’re most likely to encounter. Here only the personal circumstances of the insured are considered.
Group:
Group policies offer benefits for a particular segment at a lower rate. Companies are essentially offering a bulk discount. They can do this because many members of the section will take up the policy.
Credit:
These policies cover the amount of your debt if you die. They are pricey because they decrease in value alongside your loan amount. Ceding a whole life insurance policy is often a more cost-effective way to cover your debt.