SG INSURANCE GROUP
HEALTH & MEDICAL
INSURANCE
we offer a full range of health-focused insurance solutions designed to protect you and your loved ones—whether you're an individual, small business owner, or senior.
Life Insurance
& Living Benefits
"Build a solid foundation to protect your life from illness and unexpected accidents."
Health risks can strike at any time—whether it's a sudden cancer diagnosis, a car accident, or a terminal illness. These life-altering events often come without warning and can create financial chaos for individuals and families.
SG Insurance’s life insurance does more than provide a death benefit. With our Living Benefits feature, you can access a portion of your coverage while you're still alive if you face a serious health condition. This gives you the financial flexibility to focus on treatment and recovery—not bills.
Key Coverage Includes
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Critical Illness: Up to 75% lump-sum payout for conditions such as cancer, heart attack, or stroke
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Chronic Illness: Monthly benefits if you're unable to perform 2 or more daily activities for over 90 days
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Terminal Illness: 100% payout if diagnosed with a life expectancy under 24 months
Ideal For
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Breadwinners, self-employed individuals, or those with dependents
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Anyone seeking both life and living protection in one policy
Group Health Insurance
& COBRA Extension
"A healthy team builds a stronger business."
For small and medium-sized businesses, offering health insurance is no longer optional—it’s a competitive necessity. It not only improves employee satisfaction but also helps with recruitment and retention.
SG Insurance offers group health insurance plans starting from just two employees. Employers and employees share premium costs, making it a cost-effective way to strengthen workplace benefits. We also help manage COBRA coverage for former employees, allowing them to maintain their insurance for a limited time after leaving the company.
Key Coverage Includes
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Group Plans: Covers hospital visits, outpatient care, prescriptions, and more
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COBRA: Up to 36 months of continued coverage post-employment
Ideal For
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Employers looking to meet legal obligations and offer better benefits
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Businesses aiming to reduce turnover and enhance employee loyalty
Disability Income Protection
"When you can’t work, your income shouldn’t stop."
A long-term illness or unexpected accident can put your career on hold—but your expenses won’t wait. Disability income insurance provides a safety net by replacing a portion of your income when you're unable to work due to medical reasons.
SG Insurance offers customized plans designed especially for self-employed individuals and freelancers who don’t have traditional employer-provided benefits.
Key Coverage Includes
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Monthly income replacement during recovery from illness or injury
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Protection against prolonged periods of work absence
Ideal For
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Self-employed professionals, freelancers, and business owners
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Anyone concerned about losing income due to health setbacks
Long-Term Care Insurance
"Prepare today for the rising cost of elderly care tomorrow."
As we age, we may require long-term assistance for daily activities or medical care due to chronic illness or declining mobility. The cost of nursing homes, in-home caregivers, or rehabilitation services can quickly add up.
SG Insurance's long-term care insurance ensures you're not caught off guard. It provides coverage for services typically not covered by Medicare.
Key Coverage Includes
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Nursing home care, home health aides, rehabilitation therapy
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Chronic illness, Alzheimer’s, and disability-related assistance
Ideal For
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Individuals 55+ planning for retirement
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Families concerned about covering future care expenses for aging parents
Medicare Enrollment & Guidance
"Medicare doesn’t have to be confusing—get expert guidance and maximize your coverage."
Turning 65 opens the door to Medicare, but choosing the right combination of plans (Parts A, B, C, and D) can be overwhelming. With SG Insurance, you’ll receive tailored recommendations based on your health, prescription needs, and budget.
We walk you through eligibility, deadlines, and enrollment options—so you get the most value from your coverage.
Key Coverage Includes
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Part A: Hospital stays, skilled nursing, hospice
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Part B: Doctor visits, medical equipment, outpatient services
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Part C: Medicare Advantage Plans Combining A & B
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Part D: Prescription drug coverage
Ideal For
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U.S. citizens or residents aged 65+
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Anyone needing step-by-step assistance with Medicare choices
Build Your Safety Net Today
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Get a Free Consultation
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Find the Right Coverage for You
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Talk to a Local Insurance Expert