Insurance Services

Insurance is one of the smartest choices you can make when it comes to protecting your loved ones. The right plan can help minimize the financial hardships they could face later in life.

We offer the following types of insurance plans:

Term Life
Provides a death benefit for a specified length of time, generally 10 to 30 years. Policy size ranges are from $100,000 to $10,000,000 and with guaranteed level premiums. This means your annual payments will not change over the life of the policy.

Whole or Permanent Life
Provides a death benefit when you die, along with accumulating a cash surrender value. This product offers an excellent way to provide for a permanent need, such as estate planning or tax-deferred accumulation of retirement savings.

Children's Policies
Give a gift of financial security for any child or grandchild.

Fixed Annuities
An investment that pays a rate of interest guaranteed for one to five years and provides for annuity income payments at a future date. While your annuity is growing, you pay no federal or state income taxes on the accumulated value. Taxes are paid when funds are distributed to you. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply.

Also Available - Variable Annuities

Long-Term Care
This type of insurance provides coverage for medical and other services to those needing long-term professional care at home or in a nursing home. Long-Term Care Insurance can protect a family's home and financial assets. When purchased properly with the assistance of financial professionals, it can be an affordable means of ensuring that you receive the extended in-home or nursing home care of your choosing, while protecting your net worth.

An untimely illness or accident can be devastating especially when coupled with the loss of income you could suffer from not being able to work. Disability insurance can provide coverage to replace up to 60% of your wages, for a specified period of time.

You may have some type of benefit package through your employer; however many times, supplemental coverage is needed. If you find that there is not an adequate plan in place, or any plan in place, please contact us.

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