Welcome to Semmy Agency.

I've helped many families secure their Life, Health, and other insurance needs. As confusing as the insurance world can be, my goal is to make it simple and help you succeed!

OWEN

Semrau

Click one of the coverage types above to learn more.

Let's secure your future and the future of your family.

Email Address

insure@semmyagency.com

Phone Number

(text or call)

(330) 979-3405

Life

Term

The most common type of life insurance for young couples and individuals, due to its low cost. It provides coverage during a specified period of time(term) and pays a death benefit if the policy holder passes away during the term. This is especially useful for periods of debt.

Final Expense

Final expense is a form of whole life insurance coverage that covers the various costs associated with death and end-of-life expenses. This insurance covers items such as funeral expenses and settling of debts including credit card balances, car loans, mortgage loans, legal fees and other expenses.

Whole

Designed to cover your entire lifetime, whole life builds cash value on a tax-deferred basis. The cash value can be accessed by the policy owner for extra income, emergencies, or college expenses. Amounts withdrawn and not repaid will be deducted from the policy’s death benefit.

Long Term Care

Long term care insurance picks up where many other policies leave off. Policies like those offered by Medicare are not intended for long term care and will often have a set period of time at which their coverage ends or the beneficiary’s bills will significantly increase. Understanding the unique characteristics of long term care insurance is important in making an informed decision about whether or not you should enroll.

Home Health Care

Home health care is an excellent option for those that can receive their therapies or medications at home. Many people prefer home health care to staying in a hospital or nursing facility. Many prefer to be in their home environment and enjoy their own space, which home health care allows for.

Cancer Insurance

Cancer insurance is fairly straightforward. Benefits are paid directly to you regardless of any other insurance you may have. These benefits can be used for a wide variety of things, reducing your financial responsibility.

Cancer insurance is typically bought after an individual has been diagnosed. If you’ve been diagnosed with cancer multiple times, it may be difficult to get a new cancer insurance policy. For some companies, it is also difficult to enroll if you have other health concerns or diagnoses.