Insurances
We provide a cost benefit analysis of your health, life, disability income insurance, and Long-Term Care insurance. We will provide the help you need to compare many companies and help you determine the most suitable product for your individual situation. One company is not always the best in everything. We can provide a comprehensive search for you with a no cost consultation.
Life Insurance
We can provide you with competitive quotes from many companies in the areas of:
- Term Life Insurance (amongst over 30 companies)
- Traditional Whole Life Insurance
- Universal life Permanent Insurance
- Variable Universal Life Permanent Insurance (with investment options for potential cash value accumulation.)
Second to Die Life Insurance for Estate Conservation consisting of:
- Survivorship Variable Universal Life
- Survivorship Whole Life
- First to Die Life Insurance
Life insurance policies contain exclusions, limitation, reductions of benefits, and terms for keeping them in force. We can provide you with costs and complete details.
Investors should consider the investment objectives, risks, and charges and expenses carefully before investing in the fund, contract, and/or underlying portfolios. The prospectus of the fund, contract, and/or the underlying portfolios contains information relating to investment objectives, risks, and charges and expenses as well as other important information. Contact your financial professional for the prospectuses. You should read the prospectuses carefully before investing. Variable annuities are suitable for long term investing, particularly retirement savings. Any guarantees are subject to the claims paying ability of the issuing insurer. It is possible to lose money when investing in securities. Variable annuities have fees and expenses, including mortality expense and administration fees, with an additional fee related to the professional investment options. The fees will vary depending on the underlying annuity and investment options selected. The value of the investment option in a variable annuity will fluctuate in response to economic conditions.
Disability Income Insurance
We can provide individual disability programs as well as short-term and/or Long Term Disability income insurance for an individual or business.
Long Term Care Insurance
This type of insurance covers an individual who meets the Activities of Daily Living requirement (ADL) or has Cognitive impairment, either which would trigger coverage for care at home, in an assisted living facility or a nursing home. This type of insurance can be purchased in two major ways:
Individual Long Term Care Insurance
This is designed as a 2,3,4,5,6 yr or lifetime benefit. Again we represent many companies to customize the right product for you.
Group Long Term Care Insurance
These are company sponsored programs provided by an employer for the participation of all employees. We recommend to review this product as the need for this type of insurance is increasing every day. Finally the risk is very costly if not adequately planned for in advance.