About R. Jack Hayman & Associates

Our goal is to be a meaningful resource for you and to assist you make important decisions regarding your health care insurance and the preservation of your assets.  Our experience coupled with the vast resources and support from the industry’s strongest carriers provides the basis for successful long term management of your interests.  Additionally, we will continue to monitor changes in the law along with the introduction of new products and determine whether or not your circumstance can be improved by considering the evolution of the insurance industry and the new ideas it produces.

Services

Annuities:

• Flexible Premium Deferred Annuities
• Single Premium Deferred Annuities
• Single Premium Immediate Annuities
• Equity Indexed Deferred Annuities

Health Insurance:

• Long Term Care Insurance for Individuals
• Long Term Care Insurance for Groups
• Health Insurance Plans for Individuals and Families
• Health Insurance Plans for Work Groups
• Qualified High Deductible Health Plans
• Health Savings Accounts (HSA)
• Critical Illness Insurance
• Disability Insurance
• Dental Insurance

Life Insurance:

• Whole Life and Universal Life Insurance
• Term Insurance
• Term Insurance with Return of Premium
• Final Expense Insurance

Senior Market Insurance:

• Annuities
• Long Term Care Insurance for Individuals
• Medicare Advantage Plans
• Medicare Part D Prescription Drug Plans
• Medicare Supplement Insurance
• Life Insurance
• Final Expense Insurance

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs.  We do not work for an insurance company; we work for you.  R. Jack Hayman and Associates represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company.  One of the advantages of using an independent agent is that he or she works to satisfy your needs.  You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price.  When you buy insurance, whether it's for life, disability or health insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

Insurance Carriers

As independent agents, we have established long term, solid relationships with some of the top national and regional carriers in the industry.  For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

• Aetna Health & Life
• AIG - American General
• American National Company
• American Republic
• Arcadian Health Plan
• Assurity Life Insurance Company
• Care Improvement Plus
• Chesapeake Life Insurance Company
• Coventry Health Care
• Genworth Financial
• Humana
• ING USA Annuity & Life Company
• John Hancock
• Life Investors Insurance
• MetLife
• Mutual of Omaha/United World
• North American Company
• Oxford Life Insurance Company
• Shenandoah Life Insurance Company

R. Jack Hayman Bio

R. Jack Hayman specializes in health insurance and financial planning for individuals and small work groups. He is an independent broker representing a wide range of health and life insurance, annuity, long-term care, Medicare Supplement and Advantage carriers for clients throughout both North Carolina and South Carolina.

Jack spent more than 25 years developing an understanding of the financial challenges facing every small business owner trying to balance cash flow requirements with business operations including the cost and complexities of employee benefit programs.

Successful management of a small business is no small task under any circumstance. A husband or wife trying to find the most cost effective and benefit rich health insurance plan to protect themselves and their families is no small task either. These are important considerations and decisions. One of the most important considerations of all is future needs. Unfortunately, many people do not think about future needs especially as they relate to health care and asset protection until either it is too late or the meaningful cost savings opportunities have passed.

If money were no object, these tasks would be much less of a challenge. But the fact is money is an object and that is precisely why a professional should be consulted periodically to review market conditions, the introduction of new programs and changes in personal circumstances.

My goal is to develop substantive long-term relationships with my clients. Accomplishment of this goal takes time, trust and proving that I can provide quality advice and plans to protect you, your family and your assets. Call me today. There is no cost or obligation to determine if there is a better plan for you or your small business.

After serving a tour of duty in the US Navy, Jack earned a BA from Sacred Heart University, Fairfield, CT then spent several years with the IBM Corporation. In 1989, he earned an MBA through an Executive MBA program also at Sacred Heart University. Jack spent many years actively involved in civic and community service programs. He is one of the founders of the Town of Trumbull, CT, Emergency Medical Services Department where he served as the Commission Chairman and member for many years. His civic involvement has been rewarded with a Home Town Hero Award and two Man-of-the-Year awards. He lives in Charlotte with his wife and two children.

R. Jack Hayman is licensed in North Carolina to sell both Health and Life Insurance products and Long-Term Care and Medicare products. He is similarly licensed in South Carolina.

Please call or email me and I will be happy to answer your questions and determine if there is an insurance product available that is better suited to protect you, your family and your assets than what you may presently have in place or are considering. There is no cost or obligation for this service. Office: 704.972.8431 Cell: 704.533.3023 Email: