Life Insurance

The base of any sound financial plan is protection. We must protect the assets you have spent your life accumulating as well the needs of your family and loved ones. Purchasing a life insurance policy creates an immediate estate for your family that can help pay for the mortgage on your house, the cost of your children or grandchildren's education, pay off all of your existing debts, and enables your family to enjoy the same standard of living that you worked so hard to provide for them.

It is important that you work with us to establish exactly what your life insurance needs are, to tailor a life insurance plan to best meet these needs, and to integrate your life insurance with the rest of your Financial Plan. We will perform a complete life insurance analysis for you to determine if you have adequate life insurance, what type of life insurance you should have, and how much we can save you to put the proper amount of life insurance in place. We are an independent agency and represent many of the largest and most well respected Life Insurance companies in the world. Please enter your information in the chart below and one of our Life Insurance experts will contact you about designing the best life insurance policy to meet your needs.

Disability Insurance

Disability Insurance has always been among the most important types of insurance protection as it protects your income should you become disabled. Due to recent articles in Money Magazine, Fortune, and several other major publications, disability insurance is fast becoming one of the most talked about types of insurance protection as well. It is important that you understand that your Group Disability coverage offered through your employer is often not enough coverage to allow you to maintain the same style of living that you are accustomed. The benefit from your Group Disability is taxed to you as ordinary income, integrated with Workers Compensation, Social Security, and other insurance policies, and is not portable if you should change companies. Individual Disability policies overcome all of those objections as well as provide you with the most lenient definitions of disability available. Due to the many variations in the wording of disability policies it is extremely important that you work with experts that understand the details of what differentiates one disability policy from another. We will explain the differences in coverage from one carrier to another to ensure your satisfaction. Please enter your information below and one of our Disability Insurance experts will contact you.

Long Term Care Insurance

The majority of our population is not sufficiently prepared to face their long-term care needs. Many people try to convince themselves that they will probably never need it. Unfortunately, this is not the case. A study by the U.S. Department of Health and Human Services indicates that people aged 65 have a 43 percent risk of entering a nursing home over the course of their lifetime. About 21 percent may stay there for five years or longer. According to the AARP, the average cost of this care is $56,000 per year and increasing rapidly.

Long Term Care insurance enables you to transfer a portion of the economic liability of long term care to an insurance company in exchange for regular premiums. The premiums are based on both your current age and health conditions making it advantageous to purchase a policy when you are young and healthy. The differences from one policy to another are substantial and depend on the wording used to outline your benefit. We will work with you to define exactly what your needs are and to find the policy that best matches your specific needs. Please enter your information below and one of our Long Term Care experts will contact you shortly.