First Financial Auto Insurance Review (2024)

What You Should Know About First Financial

The First Financial Insurance Group began in 1992 as a life and health insurance provider in Michigan. Today the First Financial Insurance Group operates in both Ohio and Michigan.

Over the years the First Financial Insurance Group has become a leading provider of insurance products for seniors because early on in the company they decided that this area would be their special focus.

Instead of offering many types of insurance to multiple types of groups, the First Financial Insurance Group has chosen to focus on a specialized clientele.

This specialized focus on a specific group of people has been what has made the First Financial Insurance Group so successful.

First Financial Insurance Coverage Options

The insurance products that the First Financial Insurance Group offers are varied.

These insurance options include:

• cancer insurance plans
•  life insurance
•  major medical insurance
• final expense life insurance
• long-term care insurance coverage
• youth life protector insurance
• Medicare supplemental insurance
• Auto insurance for wheelchair adapted vehicles

Cancer is a worry that most people think of from time to time. Even with a great health insurance plan, the costs of cancer treatments can easily max out a person’s health insurance limits.

 There are typically two types of cancer insurance plans. The two types of cancer insurance plans are first occurrence and indemnity cancer plans.

A first-occurrence cancer plan will pay a lump sum when a person is diagnosed with cancer. Paying a flat amount upfront allows the person to use that money for whatever they wish.

Coverage in the amount of $5,000 to $25,000 can be purchased for this type of cancer insurance plan.

An indemnity cancer plan works a little differently. An indemnity cancer plan does not pay as much upfront but rather a set amount for cancer-related procedures.

Some of these expenses include the costs of inpatient and outpatient care, lodging, and transportation. Optional benefits can also be purchased with this type of cancer insurance plan.

Some of these optional benefits are intensive care unit coverage and the initial occurrence of cancer coverage.

Life Insurance Products

Final expense life insurance is a specialized life insurance plan designed specifically for a person who has been denied life insurance in the past because of age or poor health.

Funerals are very expensive, and no one wants to leave that burden on the shoulders of loved ones they are leaving behind. To protect their loved ones, a person would find this life insurance policy very useful.

Even though no one likes to think about a child dying, the reality is that it does happen. When such a horrific event occurs, the last thing a mourning family should have to worry about is how they will cover the costs of the funeral.

A youth life protector insurance policy saves a family from that worry. A youth life protector policy is available through the First Financial Insurance Group for children from birth to the age of 18 years.

Along with their specialized final expense and youth life protector life insurance plans, the First Financial Insurance Group also offers basic life insurance policies.

A life insurance policy can pay much more than just funeral costs. The payout of an adequate life insurance policy can cover the costs of debt, pay for the college tuition of children and grandchildren, and take some of the financial pressure off of losing the family’s main moneymaker.

Life insurance is typically divided into two major categories. These two types of life insurance are term life and whole life insurance. A whole life insurance policy offers a death benefit, a fixed premium, and a cash value.

All of these benefits are guaranteed. A term life insurance policy pays a death benefit only.

The First Financial Insurance Group does not offer auto insurance, but there are many companies where you live that do. Enter your ZIP code to compare auto insurance rates now!