Protecting

Life doesn’t always go the way we want it to go. Despite our best efforts, accidents happen and there’s nothing anyone can do about them except insure against them. And, though we can’t predict or protect from everything, we can help you come close.

We offer a wide range of insurance options and can walk you through the different types to help you choose the one that best fits your needs:

Permanent Life
For individuals and business owners with long-term life insurance needs who have the cash flow to pay the annual premiums.

Single Premium Variable Life
Ideal for those who probably will not need to access the cash value in their lifetime, but wish to leave an income tax free benefit to heirs.

Survivorship Life
Suited for married couples with a significant combined estate value, especially with non-liquid assets such as a business or real estate.

Term Life
For those with short-term life insurance needs (10 years or less) or those with a long-term need but whose budget won’t allow for higher premiums.

Disability insurance policies insure the individual against the loss of employment earnings due to the individual being unable to continue job duties because of an injury or sickness. Disability Insurance is suitable for any individual or business owner under age 60 with employment income who has insufficient liquid assets to sustain a loss of income due to a disabling injury or sickness.

While we don’t want to ever think about ourselves or a loved one needing long-term care, it is a reality that, if not faced now, could cause emotional and financial devastation in the future. Consider this when developing your long-term care plan.

Long term care insurance:

• Protects your savings and investments.
• Takes the financial and emotional burden off your family.
• Allows you to maintain the independence that you’ve enjoyed your entire lifetime.
  
  

Long-term care insurance is not right for everyone.

You should NOT buy long-term care insurance if:

• You can’t afford the premiums
• You have limited assets
• Your only source of income is Social Security or SSI
• You often have trouble paying for the basic bills