Higger & Associates, LLC's Life, Health and Benefits products are built on trust. Trust that Higger & Associates, LLC clients will always receive comprehensive levels of security and protection for their individual, family and business needs. Trust that Higger & Associates LLC's policy coverage and insurance professionals deliver the prescribed protection—especially in the face of unexpected events.

Personal Use Products:

• Life Insurance (term, whole, universal, 2nd to die)
• Disability Income
• Long Term Care

Commercial Use Products:

• Group Health Insurance
  • Fully funded and partially funded
• Life Insurance and Disability Income Insurance used to:
  • Insure a Key Person(s)
  • Fund a Buy Sell agreement between partners/shareholders
  • Provide as part of a Group Benefits Program
• Overhead Expense Insurance for offices heavily dependent on a few partners to generate most of the income (doctors, lawyers, accountants)
• Group Benefits—Life, AD and D, Dental, Vision, Long Term Disability
• Retirement Plans

• Single individuals—Traditional use (income protection, estate planning, savings)
• Families, including domestic partners—Traditional use (income protection, financial security, estate planning, savings)
• Individuals and Families (domestic partners) needing the security of life insurance protection, along with the ability of "planned giving programs" to charitable organizations to accomplish personal desires through "taxed advantaged" programs
• Businesses in need of traditional benefits (Health, Life and Long Term Disability) and nontraditional benefits (Group Long Term Disability, Group Homeowners, Auto etc., and Group Umbrella coverages)