• Warren • 814.726.5610
  • Findley Lake • 716.769.2270

Personalized Life Insurance & Health Insurance Policies

No one knows what the future will bring, but we at Calvert Pearson Insurance can help you prepare for whatever life brings. Protect your children’s future, your health, well-being, and the care of your loved ones with help from our experienced team of life and health agents. We research different companies to find the right life, health, long term care, and retirement plans to fit your needs.

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Individual Healthcare Coverage | Medical, Dental, & Vision Insurance

If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must. Don’t panic about the costs; plans are often cheaper than you expect. Let Calvert Pearson Insurance find the best and most cost-efficient health insurance coverage to fit your needs. We provide medical, dental, and vision insurance coverage options that include:

  • Individual Coverage
  • Group Coverage/Plans
  • Short Term Medical
  • Disability

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Employee Benefits | Group Insurance Solutions for Your Employees

At Calvert Pearson Insurance, we offer many solutions for group life, health, dental, short and long term disability, as well as vision insurance. We also offer services for voluntary benefits. We want the best for you and your employees, which is why we provide the best customer service available. Our strong relationships with our carriers allow us to provide our clients with answers and additional resources alike. Our employee benefit lines of coverage include:

  • Group Medical
  • Group Life
  • Group Dental
  • Disability
  • Long Term Care
  • FSA (Flexible Spending Accounts)
  • HSA (Health Savings Accounts)
  • Key Man Life Policies

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Life Insurance | Term & Permanent Insurance Coverage Plans

Life Insurance helps protect one’s life, but more specifically, it helps protect the lives of the loved ones who depend on you to keep the bills paid and put food on the table. At Calvert Pearson Insurance, we are committed to helping you select the right policy for your needs. We are happy to answer your questions along the way to ensure you are receiving a life insurance package that is easily understandable and customized with your family’s needs in mind.

retired couple sitting on bench

How to Choose Between Term Insurance & Permanent Insurance

When it comes to making an educated decision between whole and term life insurance, we have you covered. Calvert Pearson Insurance offers both types of life insurance:

  • Term policies do not build up any cash values, whereas permanent life insurance can provide death benefit protection for the duration of your lifetime and consistently build up cash value.
  • Permanent life insurance encompasses several different types of policies, such as whole life, universal life, and variable universal life.

The type or amount of life insurance a person needs depends on their own circumstances and their reasons for purchasing the policy. One approach to determining how much life insurance you should purchase is to analyze the various needs of your family in the event of a death. Life insurance can provide funding that can be used to pay off medical bills and funeral expenses, meet estate taxes and other expenses in settling an estate, pay off mortgages, and more.

Why Should I Protect Myself & My Family with Life Insurance?

Whether you’re a parent, homeowner, business owner, or someone simply looking for ways to be smart with your money, it’s important to make sure your family and your assets are protected in the event of an unforeseen tragedy. A business may want to use life insurance to fund its employee benefit plans, protect against the premature death of a key individual, or to provide for business continuation. Typical reasons for families and businesses assessing the needs for life insurance include:

  • Dependent Children
  • Dependent Spouse, Parent, or Grandparent
  • Credit Enhancement
  • Key Person Indemnification
  • Business Continuation
  • Employee Benefit Plans

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What Our Customers are Saying

I’ve been a long time customer with Calvert Pearson. Every time I have a problem or a question with my policy they take great care of me. They work hard to make sure everyone is taken care of.

Christina Martin

Calvert Pearson Insurance group has been extremely helpful and their customer service is wonderful! Anytime I have had questions or concerns regarding my policy they are answered immediately! Their employees has always been friendly and very prompt with anything I need! Great company!

Ashley Care Elms

Calvert Pearson Insurance has always been extremely helpful with my insurance needs. They are more than willing to answer my questions as well as provide excellent customer service!

Autumn Richards

I’ve worked with the Calvert Pearson group for many years! They have always been friendly, and have always offered great advice!

Dennis J. Maguire Jr.

I was in a small fender bender, and not only did they call me back to see how I was doing, but had started the claims process with Travelers within an hour. It’s times like these that I’m thankful to have great insurance!

Shelley Ward