Life Insurance
Life Insurance can provide for your loved ones and take financial burdens away if an unforeseen circumstance occurs. Our licensed professionals can help determine the appropriate type of insurance coverage and the amount you may need for your personal situation. Whether it’s an individual or group policy, we’ve got you covered.
Typically the least expensive option for life Insurance, a fixed-rate term policy will pay a benefit to your family members and covers you for a specific period of time. We’ll help you to understand the difference between Level Term Life and Annual Renewable, and make sure term coverage is the best for you.
Whole Life Insurance pays a death benefit to your loved ones, but also allows you to accumulate cash value in the policy. We provide you with guidance on your Whole Life options, as well as Variable or Universal options if you need additional flexibility with your life insurance program.
As most of us are living longer, the rising costs of nursing homes and assisted living facilities are a concern. Long-term care insurance can help you pay for the care you need when the time comes. Unlike health insurance, long-term insurance covers long-term support and services in a variety of settings, such as your home or other facilities. Plans vary widely, and we’re equipped to explain plan limitations and how much will be covered.
What happens if you become disabled before your retire? How will you cover your mortgage, rent, car loans or monthly expenses? Disability insurance helps to replace your gross income if you’re disabled due to sickness or injury. It’s a MUST for a professional with a family! Our qualified experts can assist in determining the amount of disability insurance you may need, as well as explain the differences between Long-Term or Short-Term disability products.