- Life InsuranceUniversal life insurance is a form of permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. The death benefit, savings element and premiums can be reviewed and altered you as your circumstances change. In addition, unlike whole life insurance, universal life insurance allows you to use the interest from your accumulated savings to help pay premiums.
- Health InsuranceWe believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices. That's why we've created this resource section.
- Disability InsuranceLong-term disability (LTD) insurance is usually provided by employers, and there are a variety of differing plans available for employers to offer as part of an employee benefits package. If a company doesn’t offer long-term disability insurance or if you want additional coverage, you have the option of purchasing an individual long-term disability plan from an insurance agent.
- Long Term CarePart A Hospital Insurance - Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.
- Business InsuranceWelcome to our website. We handle all types of personal and business insurance needs. Our firm is staffed by people committed to providing our clients with highly personalized service.
- Workers Compensation InsuranceWorkers Compensation only kicks in if you are hurt on the job. What happens if you are hurt at home? Think disability income insurance.
- AnnuitiesAn annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Annuities typically offer tax-deferred earning and may include a death benefit that will pay your beneficiary a guaranteed* minimum amount, such as your total purchase payments.