OUR SERVICES

With insurance, it is crucial that your final selection is a product that is the most competitive and can deliver the identified purpose. There are many alternatives out in the market, and our selected carriers are among the very top—so you can rest assured that they will meet your financial objective.

Life Insurance – Whether you want to protect your family from a loss of income, pay off debt, guarantee college costs for your children, or have a special fund to take care of the aging relatives, we can find the perfect carrier for you no matter your budget. Or, if you have a business and you want to make sure your employees and associates are protected if the worst comes to pass, the purchase of a life insurance policy would be the most cost-effective solution to cover the transfer of this important asset.

Long Term Disability – If you are unable to work and generate an income due to health issues or an accident, your lifestyle and the financial stability of your household could face significant risk. If you find yourself in this situation without coverage, we can help you find ways to ensure you continue receiving the necessary income to cover your personal or business expenses.

Long Term Care – The average lifespan is steadily increasing, which means if you retire at the age of 67 you have a good chance of living until 90—which means you will have 23 years living off your retirement savings (plus Social Securities or rent or help from family members, etc.) However, if you have an accident or get sick to a degree where you are no longer able to move, bathe, or dress, then you will need either a nursing home or a nurse to take care of you. If you aren’t covered, you will need to reach to your savings (if any), and this will affect your overall retirement planning. However, with long term care insurance, you can keep your savings untouched while still receiving the care you require—meaning that your retirement funds will remain intact.