Life & Health

What is Health Insurance?

Find the Right Health Insurance for You and Your Family

The cost of medical care continues to rise annually. Despite the rising costs, you may find yourself in need of healthcare more often. In the event of an illness or accident, do you have proper coverage?

Here at Bortec Insurance, we aim to connect individuals, families, and groups with the best health insurance solutions. There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network.

Find Affordable Health Plans
We know that paying too much for health insurance is never ideal. You want to combine affordability with coverage, so we have a plan to match your needs. When you call, we’ll discuss your needs and your budget, then connect you with the right health insurance plan to suit your ever-changing health needs.
Here at Bortec Insurance, we make a priority of helping our clients. We really get to know each client, what they need, and the family they are trying to protect from illness and accidents. Wheather Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO), Point of Service (POS), Preferred Provider Organization (PPO). Our customer loyalty and satisfaction are at an all-time high because we truly care.
Just to remind you, affordable health care coverage is available to everyone if you know where to look. Thankfully, you’re already in the right place. Take a moment to explore our insurance offerings. Then, give us a call.
Or, if you do not want a full-term coverage policy, consider short-term health insurance as a temporary safety net. If you are in-between jobs, for example, having a short insurance policy term can make a world of difference.
Why Bortec Insurance? There are several great reasons to choose us over the competition. For starters, you’ll receive honest, knowledgeable interactions with our specialists. We’ll connect you with an affordable plan.
What is Life Insurance?

Secure Your Family's Financial Future with Life Insurance

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With the help from Bortec Insurance we can find a life insurance policy that suits your needs so you can help secure your family’s financial future by paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

Types of Life Insurance

There are two main types of life insurance – Term life insurance and Permanent life insurance. Term life insurance simply covers you for a specified amount of time (10, 20, and 30 year policies being the most common). Permanent life insurance can be broken down into three types: universal, whole, and variable. You can count on Bortec Insurance so you can get a better understanding of which type of life insurance is right for you.
Term life insurance is typically the most affordable option to protect your family in the event that something happens to you. It’s a policy that covers you for a specific amount of time, or term — typically 10, 15, 20 or 30 years. You make premium payments during the term you’ve selected, and your insurer will pay a death benefit to your beneficiaries if you pass away.

Term life insurance tends to be a more affordable policy than permanent life insurance because it doesn’t build any cash value that you can borrow against or invest and it ends at the term of your contract instead of providing lifetime coverage. If you still need coverage at the end of your term, however, you may be able to renew or convert your policy.

Select the duration of you coverage; Decide the number or years your financial needs will be greatest (for example, when your kids are younger or while you are paying a mortgage)Determine how much you need; Think about how much your loved one may need to replace your income.

With a term life insurance policy, you pay fixed premiums for the term you have selected to be covered. Your monthly payments will stay the same throughout your premium period. If something were to happen to you, whoever you choose as your beneficiary will receive the tax-free death benefit. In order to receive a policy you may need to complete a life insurance medical exam so that your insurer can get an idea of your health status. Bortec Insurance will be every step of the way to make sure you get the best coverage that fits your needs.


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What is Universal life insurance?

The Benefits of Universal Life Insurance

Universal life insurance is a policy that provides protection for you and your loved ones, as well as the potential for cash value growth. Unlike whole life insurance, universal life insurance allows you to adjust the death benefit and premium payments over time. This means that if your needs change in the future, you can make modifications to your policy without having to purchase a new one. The ability to adjust both the death benefit and premiums allows you the flexibility to customize coverage based on changes in income, health or other circumstances.

In addition to lifetime protection, universal life insurance offers a unique combination of benefits to help meet your needs, including:

You can change the protection level, how frequently you pay your premium or even the premium amount, as long as you remain within set boundaries.


If your needs change, you have the potential to build and borrow from the cash value while you’re alive.


You have options for covering potential long-term care expenses — for help with things such as bathing, dressing, eating, food preparation and household cleaning.
All life insurance products offer tax advantages, including a tax-free death benefit and tax-deferred cash value growth.
What is Whole life Insurance?

Secure Your Future with Whole Life Insurance

Unlike term life insurance that protects you for only a specific duration, whole life insurance offers protection throughout your lifetime. It’s the most basic type of permanent life insurance that offers consistency along with some predetermined, guaranteed cash value growth. Whole life insurance also has an element of predictability in terms of its cost since premiums are typically fixed for the lifetime of the policy rather than needing to be adjusted on an annual basis as with term policies. This can provide long-term financial security for policyholders who wish to set aside a specific amount each month towards their coverage.
In addition to lifetime protection, whole life insurance offers a unique combination of benefits to help meet your needs, including:
Whole life insurance is typically more expensive than term life policies, but the premium amount is fixed for the life of the policy.
Your whole life insurance policy receives a guaranteed, fixed rate of interest on the cash value.


The payout your beneficiary receives if you die is typically tax-free and has a steady value throughout the life of the policy.


The payout your beneficiary receives if you die is typically tax-free and has a steady value throughout the life of the policy.


What is Variable Universal Life Insurance?

Maximize Your Protection with Variable Universal Life Insurance!

Variable Universal Life Insurance is a type of permanent protection that offers flexibility and the potential for growth by investing some or all your cash value in sub accounts that are tied to the stock market – similar to how mutual funds are structured.

In addition to lifetime protection, universal life insurance offers a unique combination of benefits to help meet your needs, including:
A variety of high-quality investment options mean the potential to earn a higher-than-average rate on your cash value accumulation.
If you’re already making the maximum allowable contributions to your qualified retirement funds, a variable universal life policy offers you the potential to build additional savings for retirement.
All life insurance products offer tax advantages, including a tax-free death benefit and tax-deferred cash value growth to help you make the most of your investment.
You can customize a variable universal life policy with a variety of optional features for an additional charge, including the Long-term Care Rider.
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