Products

Ochs, Inc. offers many insurance products through a variety of carriers. We encourage you to learn about these products and make your buying decisions with knowledge.

We are committed to providing you with insurance carriers that will be there when you need them the most. Click on the following to learn about the financial strength of the companies with which we have exclusive relationships: Minnesota Life, Assurant Employee Benefits, CNA. Please contact us for information on othe

Life Insurance

Life insurance is for those you leave behind. Deciding your life insurance needs is an important decision. We're here to help you decide the best way to protect you and your family.

Life Insurance 101Life Insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's death. Group Term Life insurance is a foundation of insurance protection for employees and their families.Life Insurance FAQRead the answers to frequently asked questions about group term life insurance.Types of Life InsuranceThere are a number of factors to consider when purchasing life insurance. Basically, you want a policy that fits your needs without costing too much. You need to determine what you need, what you can afford to pay, and the type of policy you would like to purchase. Click on the title to read more.

Short and Long Term Disability

One of your most valuable assets is your ability to work and provide financial support for those who depend on you. If you are injured or become too ill to work, Disability Insurance can help pay your bills until you are back on your feet.

Short Term Disability 101Short Term Disability Insurance replaces a portion of your income while you are out of work due to illness or injury.Long Term Disability 101Long Term Disability Insurance provides you and your family with financial protection if you become disabled due to injury or illness and cannot work for an extended period of time.Disability FAQLearn more about disability protection from answers to commonly asked questions.An Employer's Guide to Disability Income InsuranceThis Guide is designed to serve as an introduction to disability income insurance and to introduce key considerations for employers exploring offering or sponsoring disability coverage to their employees.

Long Term Care

Long Term Care is a variety of services provided to those unable to take care of themselves. Services can range from simple help with meal preparation to 24 - hour nursing home care. Long Term Care Insurance can help protect your retirement assets by helping to pay for care costs that might otherwise drain savings and retirement funds.

Long Term Care 101Long Term Care provides a variety of services to those unable to take care of themselves. Long Term Care FAQFollowing is a list of frequently asked questions and answers regarding Long Term Care Insurance.

Dental Insurance

Dental insurance is insurance designed to pay a portion of the costs associated with dental care. Dental insurance can assist in maintaining dental health by encouraging routine preventive care. Plans can cover a wide range of services, from routine cleanings and exams to major dental procedures.

Dental Insurance 101Dental insurance is insurance designed to pay a portion of the costs associated with dental care. Dental insurance can be thought of as a method of providing financial assistance to seek regular dental care. Dental Insurance FAQThe following are common questions and answers about dental insurance.

Vision Coverage

Vision Insurance is a form of insurance that provides coverage for the services rendered by eye care professionals. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen. Vision Discount Plans are also available. This type of plan provides services and materials at discounted prices when you use a network provider.

Vision Coverage 101Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. Vision Coverage FAQCommon questions and answers about vision plans.