Life insurance, health insurance, and disability

A life insurance product that offers a fixed price for a set term with a level death benefit.  This type of insurance is ideal for protecting the lifestyles of people who rely on the income of others.

This is a permanent life insurance product that can accumulate cash value, include an investment component, and does not expire.  This is ideal for those wishing to have a life insurance policy beyond their prime earning years in order to pass a tax free inheritance to beneficiaries.

Business partnerships and corporations are not immune to the financial consequences that can be incurred by the death of a primary partner or officer.  Key person life provides an immediate financial solution to satisfy buy/sell agreements and fund the replacement of the position of another qualified officer.

Annuities are a very reliable way to guarantee a monthly income in retirement that is also safe from creditors and civil lawsuits. 

The statistics regarding adults affected by a disability are staggering. Being laid up for 6 months can have dire consequences.  Its important to determine a plan in the event you can no longer earn a living in your current occupation due to an illness or  disability for an extended period of time.

The options for health insurance are vast; from HMO's with fixed co-pays to high-deductible plans with less expensive premiums, its important to pick a policy that properly addresses your healthcare needs and the needs of any dependents. If you are 65 or older, medicare supplements are an important addition to protecting your retirement income from unplanned medical expenses.