LIFE INSURANCE

Life insurance provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured individuals death. There are many types of Life insurance; typically chosen based on the needs and goals of the policy holder.

DISABILITY INSURANCE

Disability insurance, also known as DI, provides income to you when the insured is unable work because of covered sickness or injury. This would include individual DI, high-limit DI, key person, business overhead expense DI, among others.

SPECIALTY HEALTH

Specialty Health Products include a broad spectrum of insurance products such as Critical illness, Accident, Medicare Supplement or Cancer Insurance. These products will pay a specified benefit amount or reimburse medical expenses if an accident or specific health condition occurs. They are offered in work site and personal sales environment.

LONG-TERM CARE INSURANCE

Long-Term Care insurance is designed to cover the cost of long-term care services that are not usually covered by traditional health insurance or Medicare. These include services in your home such as assistance with activities of daily living as well as care in a facility if needs be. This would include group bill and individual plans.

IMPAIRED RISK

Our Impaired risk specialists know which life insurance companies offer the best ratings for certain impairments or risk classes and match policy owners with these carriers providing the maximum value for their premiums. In many cases, we can obtain standard coverage for individuals who have previously been declined by other carriers.

ANNUITIES

Annuities are taxed deferred investment vehicles that grow funds to provide income or wealth accumulation over time. This would include traditional and bonus annuities, multi-year guaranteed annuities, indexed annuities, single premium immediate annuities and variable annuities.