LILLY OPTIMUM AND FINANCIAL SERVICES
Property and Casualty
Personal Line
Auto
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft.
Condo
Our condo insurance provides protection against losses and costs from things such as theft, vandalism, fire damage, etc. This is for people living in a condominium unit.
Flood
If you live in an area where it is prone to flooding or raining heavily, then getting protected by our flood insurance is a good idea; it covers anything affected by flooding.
Home
Home insurance is vital for anyone living in a house. It covers damage caused by: fires, explosions, storms, floods, theft, vandalism, and even frozen or burst pipes.
Renters
Renters insurance is able to cover anything you own. These can be things lost by theft, vandalism, etc. If you live in a building that you are just renting, this coverage is for you.
Umbrella
The umbrella insurance covers everything that your liability may not cover, including: accidental injury to someone else, false arrest, or slander.
Specialty Line
Boat
If you are someone who loves a boat adventure, our boat policy can cover liability and damage in case of any boat accident, including injuries or damage.
Off-Road
If you love exploring on trails, then getting our off-road insurance could protect you from accidents on trails. This includes, but is not limited to, collision, injuries, and damage.
Motorhome
If you live or drive a motorhome, also known as an RV, our insurance would protect your vehicle from things like theft, vandalism, many natural disasters, etc.
Trailer
Traveling in a trailer becomes very easy once you get covered with the insurance; it covers medical emergencies, towing/labor costs, theft, vandalism etc.
Motorcycle
Accidentally crashed into someone while riding your motorcycle? We got you! We can cover the cost of injuries and property damage whether you are at fault or not.
Travel
Our travel insurance covers anything that might happen during a vacation, including but not limited to: medical costs, stolen luggage, trip cancellation, and delays.
Business Line
Business Owners
Especially for small business owners, we provide great protection with our business policy. It covers everything you would need, such as property damage, lawsuits, etc.
Restaurant
Restaurant insurance covers things including: food contamination, damage to property, business interruption, liquor liability, and automobile liability.
Commercial Auto
Similar to our auto insurance, our commercial auto insurance covers every auto protection you would need against business owned vehicles (theft, vandalism, etc.).
Manufactures
Manufactures insurance is vital for small businesses; it can cover damage to property or equipment and mishaps succumbed from business operations, for example injuries.
Workers Compensation
Also known as workman's comp, provides disability benefits, missed wage replacement, death benefits, and also protects workers who may get injured from something work-related.
Life and Health
IUL
Indexed universal life, or IUL insurance, provides death benefits for loved ones, covers funeral or burial expenses, and can also be used to pay student loans or mortgages.
Simple
Our simple insurance is, as in the name, simple and provides protection for basic needs, including but not limited to: personal injuries, property damage, and liabilities.
VUL
Variable Universal Life, or VUL insurance, is also a permanent life insurance policy that will also give beneficiaries a death benefit. VUL is used to invest in cash.
Longterm Care
Our long term care covers assisted living, adult daycare, nursing homes, living conditions that may need to be modified to support disabilities, and more.
Term
A term insurance is a life policy that provides coverage from mortgage, debts, college tuition, and living expenses for a certain amount of time, or term.
Medical
Medial insurance is especially beneficial to people who may have an underlying medical condition. It covers hospital/doctor visits, prescription drugs, wellness care, etc.
Whole
Whole life insurance can cover the same things as term insurance, but whole insurance is set for your entire life, and your beneficiary will receive a death benefit eventually.