PERSONAL
Do you have loved ones who rely on you for financial support?

Life insurance promises that your family will have the security, liquidity, and assets they need to continue to live in the lifestyle they are accustomed to.

Life insurance is not just about a death benefit. Some policies have unique properties, like providing cash and income during your life, and can pay benefits due to an accident or critical illness.

BUSINESS
How does your family or your heirs receive the value of your business in the event of the your death?

There are solutions to alleviating these issues and one of the most efficient ways is through life insurance. Life insurance can provide immediate capital to support your family, continue the business, and to pay off partners heirs.

Would your business be affected in the event of a key employee death?

Life insurance can provide necessary liquidity until you have had the time to recover.

PERSONAL
Your income is the most important asset you have. What have you done to protect it?

Disability insurance can provide you with the cash flow necessary to support yourself (and your family). It provides much needed money in a difficult time, to help you stay in your home and take time to make the right choices. It gives you flexibility not to have to rush into making tough decisions.

BUSINESS
What would happen to your business in the event you suffered an accident or illness that kept you from being actively involved? If your business partner is not able to contribute anymore due to a disability, would the partnership survive?

Business disability policies allow you to obtain the funds needed to help keep the lights on and business running. It provides sufficient liquid capital to pay the monthly expenses of running your business such as employee salaries, insurances, rent/mortgage, and utilities.

If there are business partners, we can help to develop a plan, so that funds are available to buy out a partner(s) share of the business.

Growing old is a reality we must all face, as are the health complications that often come with it. Many people turning age 65 will need some type of long-term care services in their lifetime.

Long term care insurance gives you the funding to remain in control should you need assistance in the future, and it gives you the freedom to choose where you would like to receive that care.

The cost of care can be an astronomically challenging financial expense. Planning for this earlier in life, can help safeguard everything you have spent a lifetime building. What have you done to protect your assets should you need care?

We take care of our children while they are growing up, will your kids take care of you when you cannot? Do you want to be a financial and emotional burden to your children?

At the age of 65 you may be eligible for a Medicare Supplement policy, but you first need to know the basics.

Unwinding the Medicare jargon, and making it simple for you to understand will provide you with the information you need, so that you can make an informed decision.

We will assist in comparing plans and costs, educate you, and talk about your specific needs.