Remember that long-term financial security does not happen by chance – many things in life will have an impact on your financial goals.  Because life is unpredictable, we have the best programs and policies to protect your loved ones, assets and financial goals.

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Lowest Cost Term Insurance

We utilize a “search tool service” to find the lowest price on coverage from only the highest rated carriers.

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Permanent Life Insurance

Permanent Life Insurance provides lifelong protection and the ability to accumulate cash value on a tax deferred basis.  One great advantage is that you pay no federal income tax if you borrow the cash value from the policy through loans.

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Permanent Life Insurance 0r Annuities with Long Term Care

These unique policies offer all the advantages of a permanent life policy PLUS the advantage of a quality LTC policy if the insured requires long term care, assisted living or home-health coverage.  

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Long Term Care Insurance

A true Long Term Care Policy can be a key component to financial plans, and for good reason.  According to government research: Someone turning 65 today has almost a 70% chance of needing some type of long term care services. With the costs for care continuing to rise, coupled with people living longer…it’s easy to deplete savings and assets to pay for Long Term Care.

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Annuities

This is a financial product sold by insurance companies that allows you to set aside money, have it increase each year without paying taxes, then trigger a stream of future payments that you cannot outlive.  Also, there is no maximum contribution to an annuity.

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Final Expense Life Insurance

A small, death benefit life insurance contract, usually less than $25,000, that is used to pay for a loved one’s final expenses.