LIFE, HEALTH AND DISABILITY INSURANCE
We're not insurance "sales people," employed by an insurance company, with goals and incentives that might make us push the wrong thing on you. We're independent agents - and more broadly, we are financial consultants with a wealth of experience the typical agent simply doesn't have. We recognize the critical need of minimizing risk to loved ones and businesses, and providing you with other financial options. We do this by assisting you in evaluating and making smart insurance decisions. We'll help you understand insurance better, customizing a plan for your needs – today, tomorrow, and as life changes.
Life Insurance
This isn't the most enjoyable topic for some, but the reality is, we don't all die "at the right time." We have all heard of someone – maybe very recently – whose family lost a loved one. Or maybe you know of the business that had to shut down because the owner, co-owner, or key employee wasn't there to keep it going. Would your family or business be able to live and operate tomorrow, as it does today – without you?
- Competitive term policy rates, convertible to permanent, even if health deteriorates
- Whole life policies that build cash value, give you a borrowing option, and pay dividends
- Universal polices for a more flexible permanent insurance option, with tax advantages
Disability Insurance
The largest and most important asset you have could very well be your ability to earn an income. What would happen to you and your family if your income was interrupted for several months or longer? The odds of becoming disabled are probably higher than dying before your average life expectancy.
- Personal plans with Non-cancellable and guaranteed renewable options
- Business overhead expense
- Buy-Sell plans
- Owner occupation and cost of living increase considerations
Social Security, worker's comp benefits, and employer benefit plans may not be available, may not be enough, and may not cover you completely. Call us for a more thorough discussion of your situation and needs.
Health Insurance
Flexible and affordable health insurance plans backed by knowledge and service.
- Individual, family, or business plans
- Short term plans
- Assistance with Health Savings Accounts (HSAs)
- Group health, dental, vision
- Group short and long term disability