Health insurance minimizes the risk of financial loss due to illness and injuries. High quality individual health insurance plans can be purchased to meet short- and long-term needs.
Annuities help you plan for a long life by providing for an income upon retirement. Annuities are the opposite of life insurance providing a monthly income during your life time.
My ideal customer is an individual, family or business owner that values personalized service, integrity, our experience and insurance company choices we offer. They want to assure that they have the proper life, disability, long-term care and health insurance plans in place to protect their and their family's quality of life. In addition, they may want to explore ways to give back to their community and the charitable organizations that they support through creative legacy planning.
Life Insurance can be an important part of your estate plan. Final expense, Term life and Whole life insurance policies are available to help plan for the future.
Long-Term Care insurance provides coverage for many services used by people who have disabilities or chronic (long-lasting) illnesses. Both tax-qualified and non-qualified plans as well as a special stand alone home health care plan are available.
Since 1975, J. Sadler Hayes, II has been providing individuals, families and businesses quality of life protection with Long-Term Care Insurance, Critical Illness Insurance, Disability Income Insurance, Dental Insurance/Plans, Medicare Supplement Insurance, Health Insurance, Life Insurance, Fixed Annuities - Deferred and Immediate Income.
Sadler represents multiple life and health insurance companies that provide coverage options and competitive rates for residents of NY and NJ.
After entering the life and health insurance profession with a major mutual life insurance company in 1975, Sadler later established Sadler Hayes Associates, Inc. in New City, NY to give his clients more choice and independence when it comes to their personal and business life and health insurance needs.
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Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Medicare Supplement policies cover costs not paid by Medicare, such as co-pays and deductibles for doctor visits and hospitalization. Plans offer comprehensive coverage so you can see any doctor and there are usually few if any out-of-pocket expenses.