Services We Offer

Life Insurance

Life insurance policies are important, because they provide many options for debt repayment, income replacement and living benefits (critical, chronic and terminal illness) that can be used for long-term care and estate planning for your family and/or company. Without a life insurance policy, your death could spell financial disaster for your heirs and could hurt their financial future.

Options include term, whole life, universal life and indexed universal life for individuals, families, businesses, business owners, key employees and specific occupation non-standard groups. Using various products from carriers, we have researched and vetted to provide key man, buy-sell, executive bonus plans, split dollar and accelerated benefits that provide living benefits for terminal, chronic and critical illnesses, including tax-free cash generation.

Annuities

You have car insurance, property insurance, health insurance...Wouldn’t it be wise to insure your retirement funds, too? Annuities can help you build a retirement nest egg, diversify retirement assets, increase predictable earnings on savings, fund unexpected health expenses and transfer assets to loved ones. We have the tools, expertise and knowledge to help you predict and protect your income stream, allowing you to spend less time worrying and more time enjoying life.

Disability Policies

With a specialization in executive disability and high-end disability policies, we offer plans that can help provide stability and security. Our customized and flexible solutions minimize daily disruptions while you maintain your long-term goals and strengthen your financial foundation. These policies provide income protection for any bonus or commission income not covered in the LTD plan, as well as tax-free benefits when premiums are paid with after-tax dollars.

Medicare Options

We work to make the numerous Medicare options that are available easier to understand, and as independent insurance agents, we don’t just represent a single company; we represent multiple ones, so we can research and discuss what fits your needs best.

Options include Medicare Advantage Plans, Medicare Supplement Insurance and Medicare Part D.