Life Insurance

LIfe insurance is an agreement between an insured individual and an insurer. In exchange for your premium payments, the insurer promises to pay a certain sum to a person of the insured's choosing. There are many specific uses for life insurance, but the main advantage to life insurance is providing confidence to the insured knowing those they care about will be financially protected after passing.

Long-Term Care Insurance

Long-Term Care planning is a critical component of a comprehensive retirement plan.  First, people are living longer due to medical advances and technology.  Second, if there is a long-term care event it may impact your entire family.  Third, if you have an event, how would you pay for it?  It may be prudent to transfer the risk. Long-Term Care Insurance may allow your retirement plan to be executed for the purpose it was intended-retirement-and not paying for long-term care expenses.  Don't let long-term care become an issue for you and your family.

Personal Disability Income Insurance

Personal Disability Insurance allows people to protect themselves, their families and businesses from the ruinous financial consequences of a debilitating injury or illness.  With proper disability insurance coverage people can continue living comfortably in the face of temporary or permanent disability.

Key Person Disability Insurance

Key Person Disability Insurance provides crucial benefits to protect the company financially in the event that a key employee can no longer work due to disability.  In this situation, key person coverage provides cash flow to help companies move forward and maintain a profit in the event that a key employee becomes disabled.