Individual Long Term Disability
With todays frequent job changes, owning your own long-term disability program is great peace of mind. This program can protect loss of your income as a result of disability covered under the policy, without respect to your current employer.
Personal Life
Ranging from 5, 10, 15 and 20 year term insurance products to the tax advantageous Variable, Universal and Whole Life suite of products, we represent the full insurance industry to you. We are not limited to a particular insurer and therefore can stand back and bring you the best answer for your needs.
Annuities
These plans can provide income in addition to that provided by one's qualified retirement plan. Some of these plans also provide tax saving benefits. Hereto we represent all the major players in this marketplace.
Section 129 Plans
Saving for a rainy day is something that perhaps our parents were capable of doing. In this fast paced world of pay for it later, we take the time to meet with you and help you to set aside the money you will need for your child's higher education - and we do this using all of the leverage allowed by the tax code! Why struggle to put money aside only to pay current taxes on the earnings. Learn how we can make your money work better for you.
Survivorship Life
Insuring two lives on one contract and paying the death benefit only after the second person passes on is a strong solution for estate planning issues.
Estate Planning and Conservation of Assets
This area is most interesting as the Life Insurance is FOREVER needed. We work closely with your team of advisors, that is Legal & Accounting. The type of plans providing are insurance one or two lives as the situation is outlined to us by the individual and there advisor. We consider insuing one life or in most cases; two lives or as it is communing called, Survivorship Life Insurance or 2nd To Die Life Insurance.
Further Estate Planning
Long-term Care offered to provide immediate care for those who need assistance with the activities of daily living, ie, bathing and eating. Most individuals are more comfortable in there own environment and this policy will allow for this. These plans have a variety of benefits which can be tailored to meet specific needs and budgets.
The information provided by this site is for informational purposes only. Actual coverage determination is based upon specific policy language.