Life Insurance is a unique asset that has many uses. For a young family, it can create an immediate estate in the event of an untimely death. It can pay off a home mortgage, guarantee sufficient dollars for childrens' income and cover educational costs. For the affluent, it can be used to pay estate settlement costs.

Life insurance has many business purposes as well. It can be used to fund a business transfer after death, or to protect a business from the loss of a key person.

Life insurance can be purchased in a variety of ways. Whether you prefer term or permanent coverage, many options are available.

Isn't it time for a review of your current situation?

Long Term Care policies pay for the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) -- bathing, dressing, transferring, toileting continence and eating -- or they have severe cognitive impairment.

The need for long term care can result from an accident, chronic illness, short disability or from advancing age.

You've worked hard to accumulate your assets. Don't let a disability rob you of your possessions.

Health Insurance is essential to you. As an individual or business owner, you understand the importance of a comprehensive benefits package that is affordable to you and your company. When it comes to purchasing health insurance, you look for someone that will maximize your benefits and offer cost-effective options.

Whether you're looking for a traditional healthcare plan, an HMO, a PPO or a POS plan, we can help you sort out the issues and also advise you on dental, vision and prescription drug plans and voluntary benefit options.

Disability Insurance is vital protection. No one knows when--or how--disability will strike. You have worked hard for your position in life. While you have insured your auto, home or other possessions, it only makes sense to insure your most valuable asset--your ability to earn an income.

Instead of insuring your eggs, protect the goose that's laying those eggs.

A serious sickness or accident can effect your earning power and your future. Now is the time to meet and learn about your alternatives, while you are healthy and successful.

Disability Products:

  • Personal Disability Insurance
  • Business Overhead Expense
  • Buy-out Disability Insurance

An Annuity is a great product whether you're approaching retirement or already enjoying it. Protecting and increasing your nest egg is of vital importance and an annuity can accomplish this while working to minimize the continuing effects of taxes and inflation. In addition, an annuity can protect against outliving your money.

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