Insurance Protection

Life Insurance

Every moment matters when it comes to your family. Life insurance lets you live in the moment today, knowing your future is protected. While no amount of money will ever replace your presence, life insurance can provide for your loved ones’ day-to-day needs, debts and future milestones. We help you find an appropriate policy based on your income and needs.

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Disability Insurance

Prepare for the unexpected. If you were to suffer a disability, illness or injury, would you still be able to maintain your lifestyle without earning an income? Your ability to earn an income is your most valuable asset. Disability insurance offers a solid base for any financial strategy. You will know that your lifestyle and future goals are protected.

Long Term Health Care

You’ve worked hard, live comfortably, and have planned for a great retirement. Are you concerned about the impact a future extended care event could have on your retirement income? Long-term health care planning can help you secure what you’ve spent so long to build.

How to protect against an extended care event begins with choosing the right type of plan to meet your needs and what matters most to you. Consider one of the three possible options below.

Traditional LTC Insurance

  • LTC coverage
  • Lower premiums
  • Flexible benefits options

Hybrid Insurance with Additional LTC

  • Life or annuity insurance with LTC
  • Money back option
  • Death benefit to heirs if LTC not used
  • Lifetime benefit option

Universal Life Insurance with LTC Rider

  • Life insurance with LTC benefit
  • Cash accumulation available
  • High death benefit to heirs if LTC is not used

Insurance for Businesses

Do you know what happens to your business if something happens to you? What if something happened to a key employee? In addition to assessing the risks you face personally; we help you plan for the unexpected. It’s essential to have a plan around employee benefits to be competitive in the marketplace today. We can help you design an affordable and appropriate plan for your business that includes health, group life, group disability, retirement and more.

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Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. Additional costs and restrictions apply. Distributions under this agreement, as with any policy loans and withdrawals, may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the cash value and death benefit.

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