Insurance Needs
Term Life
Key Person of Interest
Final Expenses
Term life insurance is a type of policy that provides coverage for a specific period, often 10-30 years, and pays out a death benefit to the beneficiary if the insured passes away during the term length of coverage. This type of policy is typically used to help the family pay off any debt including a mortgage.
Final Expenses
Key Person of Interest
Final Expenses
Final expenses refer to the costs associated with end-of-life, such as funeral and burial expenses, outstanding medical bills, and other related costs, which can be covered by life insurance policies.
Key Person of Interest
Key Person of Interest
Key Person of Interest
This insurance provides a financial safety net for a business in case a key individual is unable to work due to death or disability. The company can use the payout to cover the loss of revenue, hire and train a replacement, or manage other financial issues that may arise from the absence of that person.
Whole Life
Universal or Indexed Universal Life
Key Person of Interest
Whole life insurance is permanent coverage that provides a death benefit and also builds cash value based on a fixed rate of interest. The premium for a whole life policy can be guaranteed never to go up as you age, but be aware of some plans with increasing premiums which can be costly down the line.
Universal or Indexed Universal Life
Universal or Indexed Universal Life
Universal or Indexed Universal Life
These two types of life insurance are typically chosen when tax-free cash for supplemental funding or a "cashback" plan is the goal. While universal life plans use a yearly fixed rate of interest or dividends to create cash accumulation, indexed plans have the potential for greater interest credits which are based on stock market index selection and participation.
Child Policies
Universal or Indexed Universal Life
Universal or Indexed Universal Life
Whether you are looking for a simple whole life policy to just cover funeral expenses or one that can also act as a long-term tax-free college savings or future funding needs account with built-in long-term investment capability, we can help. We will find you the best rates & design a customized plan for your specific legacy planning needs.
Healthcare.gov
Hospital Indemnity
Hospital Indemnity
When employer coverage is not an option, we can help you shop for and apply for a marketplace insurance plan and company that fits your income and healthcare needs. Your plan can be customized to medications you take and providers you may already be going to for your healthcare.
Hospital Indemnity
Hospital Indemnity
Hospital Indemnity
Hospital indemnity insurance is a supplemental policy that pays a fixed amount per day, week, or month when an insured person is hospitalized, helping to cover the costs of medical expenses that may not be fully covered by other insurance.
Long-Term Care
Hospital Indemnity
Long-Term Care
Long-term care insurance provides reimbursement coverage for the costly care of a nursing home, assisted living or custodial care services for individuals requiring assistance with daily living activities, often due to illnesses, disabilities, rehabilitation or aging.
Disability
Disability
Long-Term Care
Disability insurance provides income replacement in the event that an individual is unable to work due to a disability or illness, offering financial protection and support during a difficult time. This plan can be customized to help meet your income needs.
Dental
Disability
Dental
Dental insurance helps cover the cost of preventive and diagnostic dental services, as well as some restorative and emergency dental care, potentially saving individuals money on their dental expenses.
Vision
Disability
Dental
Vision insurance helps cover the cost of routine eye exams, prescription eyewear, and some vision-related treatments and surgeries, potentially reducing out-of-pocket expenses for individuals with vision needs.