Individual and Group Supplemental Health Insurance

Nearly everybody is confused about their healthcare options - and rightly so. You can´t rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We´d be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.

Individual and Group Life Insurance

Assisting our clients in establishing benefits packages for key personnel and employees is essential in retention of these individuals over the years.  Our firm can provide these vital services through our strategic partnerships with notable AAA rated insurance companies.   We look for the opportunity to provide solid benefits packages and insurance for our clients.

Mortgage Protection Insurance

For most American families, the mortgage represents the largest source of personal debt, a debt that can easily default in the event of the primary breadwinner’s death. Mortgage protection insurance, is a specialized form of life insurance designed to pay off the mortgage if that should occur, so that families can keep their homes no matter what.

Index Universal Life

Indexed Universal Life Insurance provides peace of mind to the family by providing life insurance and by gaining extra cash for additional needs that may arise. Indexed Universal Life Insurance covers your family and presents the opportunity for income stream, estate planning and permanent life insurance.

 

Final Expense

Final Expense Insurance allows the family to feel secure knowing that the funeral and burial costs and arrangements are already taken care of should a loved one pass away. With this peace of mind, the family will have the flexibility and freedom to pay off the final expenses of a loved one.

 

Annuities

Retirement income is no longer as certain as it once was. It’s becoming increasingly important to have a sound financial plan in place. With an annuity, you can guarantee income for the rest of your life and enjoy your golden years without worrying about the finances or burdening your family.

 

Term Life Insurance

Death is an emotional time for a family. In addition to bereavement, there is also the loss of income and the looming threat of unpaid bills. Term life insurance pays families a cash benefit if death should occur, easing their financial burden during a difficult transition.

 

Disability Insurance

Death isn’t the only thing that threatens a household. Disability can just as easily cripple a family’s ability to make mortgage payments. Mortgage disability insurance protects against this, ensuring payments are made regardless of the insured’s health or ability to draw income.