Finding the right plan can be daunting. But not having life & health insurance coverage can be even more problematic.

At Allen Insurance and Financial, we’ll explore the options to help you achieve peace of mind.


Employee Benefits

With its deep industry experience, Allen Insurance and Financial’s Employee Benefits team can help you juggle the often competing demands of personnel attraction, employee retention and the P&L, to come up with a benefits package that best suits your company’s needs.

Each Allen team member participates in accredited training and has several well-recognized employee benefit designations. Plus, our state-of-the-art technology brings to your desktop the latest news about regulations, compliance, health and wellness resources, communications tools and labor management guidance.

We’re here to help businesses and their HR professionals to navigate the complex array of choices in the benefits arena: Carrier-based packages, a voluntary benefits package to provide more choices and coverage at no cost to the business and guidance for the choices allowed under the Affordable Care Act.

Todd Anderson of French & Brawn of Camden and Dan Wyman of Allen Insurance and Financial.

Todd Anderson of French & Brawn of Camden and Dan Wyman of Allen Insurance and Financial.



Are you turning 65 this year? Have you recently qualified for Medicare due to a disability? If so, we’re here to help you navigate your Medicare options.

As an independent insurance agency, Allen Insurance and Financial represents many of the popular Medicare companies, including:

  • Anthem Blue Cross and Blue Shield
  • Harvard Pilgrim Health Care
  • Humana
  • Martin’s Point
  • Mutual of Omaha
  • Silverscript

We would like to help you find the right plan for your needs at a cost that fits your budget. Best of all, our services in helping you review your options and enroll in a plan are available at no additional cost. After you’ve selected a plan we’re also here to service your policy and ensure  you have a trusted advisor on your side.

Call Anna or Jo-Ann at 855-710-5700, or …

Updated: 1/26/18

Life Insurance

Quality Life Insurance Plans in Maine: Find the Right Option

Find the Right Life Insurance Plans in Maine

Finding the right life insurance in Maine is easy with Allen Insurance.

Comparing life insurance rates from insurance carriers can be overwhelming. Navigating your options and weighing the various products can leave you confused, especially when you have a range of factors to consider.

Whether you are an individual looking to secure your family’s future or a business that aims to help your staff achieve peace of mind, our team has the experience and knowledge to help you make a sound choice.

Finding the Right Policy

The right policy can help achieve many goals for individuals and families or businesses.


Life insurance provides financial support and peace of mind for you and your family. By finding the appropriate insurance policy for your needs, you also get the following benefits:

  • Pay off final expenses
  • Pay off any debt you may leave behind, including taxes
  • Provide needed financial resources for your family members
  • Secure an estate for your loved ones
  • Leave money to charity

    As an employer, why is it important to buy life insurance in Maine? For one, it lets you give your employees access to resources that can build their financial confidence. A group life insurance policy from Allen Insurance can also help you provide financial support and peace of mind for the family of a deceased employee.

    Ask your Allen Insurance and Financial agent about your options for term life insurance for your team. We offer group benefits packages which allow simplified medical underwriting and bypass the need for costly, inconvenient individual medical exams.

    Need life insurance quotes in Maine? Allen Insurance and Financial can help you find the life coverage that’s right for you or your organization.

Long-Term Care Insurance

With our rapidly aging population, more people than ever need to consider long-term care insurance. 

Allen Insurance and Financial works with our employee benefits clients to offer long-term care insurance to their employees.Offering this benefit can be an important factor in hiring and keeping experienced staff. At Allen Insurance and Financial, we offer a variety of employer-sponsored plans that allow employees, their spouses, parents, in-laws and other family members the chance to buy this insurance at group pricing.

We can also talk with you about long-term care insurance as part of your family’s insurance and financial planning.

“Long-term care” refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. The specialists at Allen Insurance offer the knowledge you need to start planning for it today, so you can enjoy the level of service and support you want in the future.

The odds of needing such care are high:

  • Approximately 40% of people will need long-term care at some point during their lifetime after reaching age 65.
  • Approximately 14% of people age 71 and older have Alzheimer’s disease, a disorder that often leads to the need for nursing home care.
  •  Younger people may need long-term care too, as a result of a disabling accident or illness.

Understandably, many people put off planning for long-term care. But if you begin planning now, you’ll have more options open to you in the future.

The cost of a long-term care insurance policy depends primarily your age, but it also depends on the benefits you choose.

Following are some of the key features your Allen specialist will help you weigh:

  •     Benefit amount
  •     Benefit period
  •     Elimination period
  •     Care facility type
  •     Inflation protection

One more reason to consider this coverage: qualified long-term care insurance premiums can be tax-deductible.

Short-Term Medical Insurance

Transitions happen. Whether you’re between jobs and permanent health insurance plans or traveling to exotic lands, your Allen Insurance representative can show you an affordable plan that will meet your needs.

Allen Insurance represents IHC Group, which provides affordable short-term medical coverage. Open enrollment periods do not apply to short-term medical insurance plans, so you can sign up anytime.

When is Short-Term Medical Insurance Right for You?
  • You’re price sensitive and do not need coverage for any current health conditions
  • Between jobs
  • Short Term Medical

  • Waiting for employer benefits
  • Temporary or seasonal employment
  • Waiting for an open enrollment period

We can offer three levels of short-term medical insurance coverage. Please check these PDF brochures for the descriptions you need to make an informed decision.  PDFs will open in a new window. 

Connect Value


Connect Plus 

Please note: Short-term medical insurance is not a substitute for insurance required under the federal Affordable Care Act. Be sure to talk with an Allen Insurance and Financial representative if you have questions.

Page updated 3/6/19

Disability Insurance

INDIVIDUALS: Disability insurance provides an income for the one in five people who will become disabled for a year or more before they reach age 65.

The specialists at Allen have access to a range of companies and coverages to meet all circumstances and situations, and will help you choose the policy that’s right for you and your family. We’ll work with you to determine the specific amount of coverage, policy premium and length of coverage that meets your needs—today as well as into the future

BUSINESSES: A well-designed disability insurance program can expedite an injured employee’s return to work, and help reduce the negative effects of absenteeism on company productivity.

Employees are working harder than ever simply to support to their families, so an interruption in work due to injury can be frightening. An employer-sponsored disability plan allows an individual to focus on healing secure in the knowledge that an income is being provided. It also demonstrates your commitment to employees’ financial security and well-being.

Allen Insurance not only offers a range of disability plans, but also provides guidance to ensure that your employees are actively managing their condition toward improvement and, if possible, return to work.