With the variety of insurance and financial products we provide, we can help you meet a number of business and financial needs. Even the best financial plan is incomplete without proper risk management. One medical emergency without proper protection in place could cost you your life savings or retirement fund.
We invite you to read all about the insurance and financial products we can offer and to contact us for an in-depth discussion of your financial goals.
- Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
- Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
- Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
- Survivorship Life - Survivorship life insurance – available as whole life or universal life – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
- Long Term Care Insurance - Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.
- Disability Income Insurance - Helps to provide a portion of your income if you become disabled for an extended period of time and insulates your family and those who depends on your income. This insurance can help you and your loved ones maintain their usual lifestyle.
- Individual and Group Health Insurance Products - We will guide you as to which products would be right for you, your family and your business.
- Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.