GMM Insurance—Our Products and Services Long-Term Care Insurance GMM Insurance can assist with virtually any insurance need, but our affiliation with Agapé Senior has led us to specialize in the field of long-term care insurance. Medicare does not pay for most long-term care services, so having a long-term care policy is the best way to ensure that you make all the decisions about your care and well-being later in life. Please watch our informative Long-Term Care Insurance video and then call us to talk to the professionals who know long-term care better than anybody else in the Midlands. back to top Life Insurance Life insurance isn’t for you, but rather for the people you love. Our job is to help you protect your future, and life insurance is the best way to do that for the people who depend on you. It doesn't matter if you've never had life insurance or if you are considering more or perhaps different coverage, GMM Insurance can facilitate any need you have. back to top Health Insurance Health insurance is at the forefront of the national news these days, and it's never been more important to have it for you and your family. The rising cost of medical care and the resulting pressure on health insurance premiums makes health insurance top priority if you want to have your health expenses covered at a reasonable cost. We offer numerous group and individual health policies from as many different companies, so call us today to talk about your options. back to top Homeowners Insurance Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility. back to top Auto Insurance Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. back to top Business Insurance The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance. back to top Insurance Carriers We are proud to represent these and many other insurance carriers:
	GRAY, MILLER, MIDDLETON INSURANCE
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