Insurance Products

Our goal is to help find the right solutions to help our clients meet their financial goals in many areas. Those solutions may involve the use of one of more of the following insurance products.

Health Insurance

For personal and business insurance protection, we offer the following products:

• Major Medical -- group and individual
• HRA's
• HSA's
• PPO's
• HMO's
• Self Funded
• Dental

Life Insurance

• Term Life
• Whole Life
• Universal Life
• Indexed Universal Life

Specialty Life Insurance

Special use insurance products include:

• First To Die
• Second To Die Survivorship
• Single Premium Life
• Guaranteed Limited Pay Life

Disability Insurance

For personal income protection and business needs, we offer the following products:

• Disability Income
• Disability Overhead Expense
• Disability Buy-Out
• Key Person
• Group Long Term
• Group Short Term

Long Term Care Insurance

For long term care insurance protection, we offer the following products:

• Individual Long Term Care Insurance
• Life Insurance with Long Term Care Riders

Annuity Products

For tax deferred savings:

• Single Premium Indexed
• Flexible Premium Indexed
• Single Premium Fixed
• Flexible Premium Fixed

Estate Planning

Helping preserve your estate for your intended heirs. Helping with beneficiary designations.Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.

Retirement planning

Helping you to make the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably.