Individual Life Insurance

Life insurance helps you leave a larger legacy for your loved ones, your business, or your favorite charity.

Term Life Insurance to 95

Term Life to 95+ Coverage Highlights

• Affordable coverage that can be continued to age 95.
• Gives you the option of converting to permanent life insurance.
• Long-term premium guarantees let you lock in rates.
• Select your level premium for 10, 15, 20, or 30 years, or to age 65.
• Reasons to Choose Term Life Insurance If you like simple, affordable coverage, term life insurance is for you. It’s a great way to keep your business or your loved ones’ dreams going after you’re gone.

Term life insurance can help your survivors maintain their lifestyle and pay for rent, the mortgage, health insurance, college tuition, and car loans.

Preferred Whole Life Insurance

Preferred Whole Life Insurance

Preferred Whole Life Coverage Highlights
• Offers guaranteed cash values you can access for emergencies.
• Funds grow tax-deferred under current income tax laws.
• Ideal for insuring children and making a limited number of payments.

Preferred Whole Life Insurance Plans Lifetime-Pay Preferred Whole Life offers lower premiums than our other Preferred Whole Life plans, but those premiums are paid for as long as you live.

Preferred Single Premium Whole Life is a one-time premium payment contract that gains strong cash equity.

Preferred Whole Life Paid-Up at 65 has premiums that stop at age 65.
Why Choose Preferred Whole Life Insurance?

Do you want a healthy emergency fund and more ways to provide for your family?

Preferred whole life insurance can help you accomplish these goals with affordable lifetime coverage. Plus, your premium won’t change!

On top of that, you can add an optional Long Term Care Rider to your plan and designate up to $350,000 of your insurance amount to be available for long-term care expenses.

Transitional Life Insurance

Transitional Life Insurance

Who Is Transitional Life Insurance For?
• Single parents trying to protect loved ones
• Young couples purchasing their first home
• Business owners protecting against the loss of a key employee

Transitional Life Coverage Highlights
• A high death benefit with a minimum $10,000 of whole life coverage if you want a policy that acts similarly to a standard term policy
• Available as a 10-Year, 15-Year, 20-Year, 30-Year, or to age 65 contract
• Builds cash value that can be accessed for emergencies or to help fund expenses like college education and mortgages
• You can add riders like Long Term Care, Waiver of Premium, Accidental Death Benefit, and Children’s Term

Why Choose Transitional Life Insurance?
What you need in your younger years isn’t the same as what you need later. That’s where transitional life comes in! Transitional life provides a high, level benefit that can remain in place for decades. At the end of your chosen time period, the contract changes to a smaller, paid-up permanent policy that will be there as long as you live.

Simplified Issue Whole Life Insurance

Simplified Issue Whole Life Insurance

• Available for anyone from 0 to 85 years old
• No physical exam required
• Your coverage is based on answers to three health questions
• Your rates won’t increase, and your benefits won’t decrease

Why Choose Simplified Issue Whole Life Insurance?
Do you want an easy application process and solid, affordable coverage? Then simplified issue whole life insurance could be exactly what you’re looking for. You won’t have to take a medical exam. You won’t be singled out for a rate increase.

Graded Whole Life Coverage Highlights

Graded Whole Life Insurance

Graded Whole Life Coverage Highlights
• No medical exam required to qualify.
• Your coverage is based on answers to three health questions.
• Up to $24,000 of coverage is available.

Graded Whole Life Plans
Graded Whole Life Paid-Up at 65 is perfect if you want to quit paying premiums when you retire.

10-, 15-, 20-, and 30-Pay Graded Whole Life guarantee coverage for your lifetime with premiums paid for a specified number of years.

Lifetime-Pay Graded Whole Life offers lower premiums that you pay as long as you live.

Reasons to Choose Graded Whole Life Insurance
Graded whole life insurance are for people who have less-than-perfect health. If a health issue keeps you from qualifying for other forms of life insurance, we encourage you to explore your graded whole life insurance options!

Coverage is available as long as you aren’t currently confined to a hospice or hospital and have not been diagnosed with a terminal illness. The benefit is reduced if death occurs within the first two years of the contract.

Single Premium Whole Life Insurance

Single Premium Whole Life Insurance

The Advantages of Single Premium Whole Life
Single premium whole life insurance gives you a life insurance amount significantly above the premium amount, which immediately increases the funds you leave your heirs. Plus, the policy’s cash value growth is tax-deferred.

Single Premium Whole Life vs. a CD
Joe has $17,000 in a CD. If he uses this money to purchase a single premium whole life policy, it will immediately be worth $30,276*—a gain of over $13,000!

Joe’s CD has a 1.0% interest rate, and it will reach a cash value of $29,000—in 50 years. Single premium whole life insurance provides a much quicker way to gain value on your money. Plus, your beneficiary would receive the money tax-free!
*Assumes Joe is 65 years old and a nonsmoker.

Choosing Single Premium Whole Life Insurance Is Easy
Put your assets into action with single premium whole life insurance. Give us a call today to talk about your life insurance options.

Business Life Insurance & Employee Benefits

An easy way to keep and gain top talent

Group Dental Coverage

Group Dental Coverage

• Deductible options
• Coinsurance options
• Maximum benefit choices
• Optional orthodontia coverage

Group Life and AD&D

Group Life and AD&D

• Term life insurance product is convertible to permanent protection upon termination.
• Accidental Death And Dismemberment (AD&D) coverage equal to the basic life amount purchased
• Significant discounts for large volume life policies

Voluntary Benefits Plans
Voluntary Benefits are a great way for employers to provide benefits for their employee at no cost to the employer.
• Term life
• Accident
• Short-Term Disability

Short-Term Disability

Short-Term Disability

• Can be coordinated with employer-sponsored sick time
• Several waiting period options
• Employee benefit amount can be a percentage of salary or a flat weekly benefit

Key Person Life Insurance

Key Person Life Insurance

• Offers your business financial relief after an owner or manager dies.
• Gives you the liquidity of funds to hire a replacement, if needed.
• Some policies build cash value you can distribute in a retirement plan.

Reasons to Choose Key Person Life Insurance
The death of a manager or owner could cause disruptions to production, sales, and your credit rating. Key Person life insurance can provide the financial means to help your business survive this loss.

With this coverage, you’ll have funds to stabilize the business and hire a first-rate replacement before quality and service slip. Key Person life insurance may also let you reward your manager so they might not consider leaving for another job.

Would you like more details about Key Person life insurance? Give us a call today to see how this plan could benefit your business.

Business Perpetuation Plans

Business Perpetuation Plans

Create a business perpetuation plan with a buy-sell agreement funded by life insurance. A buy-sell agreement could keep your business going and:
• Lock a buyer or successor into place.
• Generate cash value to borrow if needed.
• Pay an income tax-free benefit to a beneficiary.
• Eliminate disagreements among business partners or family members.

Why Employee Benefits Matter
When you look for new employees, you compete against other businesses. They could land your top candidate if they offer better benefits.

It doesn’t have to be that way. Give us a call today to talk about employee benefits that could set your business apart from the competition.

Compare Types of Small Business Health Insurance Plans

Learn about different types of health insurance coverage options to find the plan that’s best for you and your employees.
Common types of health insurance plans include:

Health Maintenance Organization (HMO)

Health Maintenance Organization (HMO): HMO plans offer affordable, comprehensive health coverage with relatively low out-of-pocket costs, but most care must be done in-network to avoid additional costs.

• Each member selects an in-network Primary Care Physician (PCP)
• Referrals from your PCP are often required to see a specialist
• Out-of-pocket costs are predictable and often limited to low annual deductibles and co-payments for doctor visits and other covered services
• The number of providers in the HMO network varies by location

Preferred Provider Organization (PPO)

Preferred Provider Organization (PPO): While premiums are often higher for a PPO than for an HMO plan, a PPOs typically offer larger networks and will give you more flexibility.

• Members don’t have to choose a PCP
• Members don’t need a referral to see a Specialist
• Members can choose any doctor or hospital regardless of whether the provider is in the plan’s network (costs may increase for out-of-network care)
• Out-of-pocket costs may include annual deductibles, co-payments, and coinsurance for covered services

Dental and Vision are also available with these plans.
Give us a call today to see how this plan could benefit your business.
Jane Mannon
Always there for questions. Answered in a professional manor, friendly and always glad to help. Thanks Janny for your help and friendship through the years.
Constance LaPLante
Very helpful in getting our business insurance straightened around when other agencies couldn't or wouldn't help!! Love Tina and all the team at Greene County Insurance!!
Harry Kelley
One of the best companies that I have ever done business with. I have been with them for many years and they have always had my back. Great people there in Xenia. Thank you.
Jeffrey Renick
We have been with Green County about 30 years. We have always received excellent customer service. If we had a claim on our home, or auto insurance it has been handled quickly. I would recommend them to everyone.
Russell Grooms
Love the Insurance coverage, price is right and all of the benefits that comes with it I tell people all time about Greene County Insurance, but I don’t think they call their loss thank you keep up the good work Tina
Mitch Miller
Cathy was very professional and friendly, we felt like she truly cared about our insurance needs. We absolutely will, and have recommended Greene County Insurance to all our friends
Todd Nolen
We have been with Greene Co. Insurance for over 25 years. We have always been happy with their service. The staff is very friendly. They are there to serve you and help in any way they can.
Edward Graham
It was Tina this time, but everyone is courteous and pleasant no matter who answers the phone. Everyone is always efficient at responding to a request or emailing an answer. Tony would be proud.

About Us

Our agency’s founder was a very special and well-respected man, Tony Yates. Tony was a unique combination of wisdom, spunk, and honesty

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