Services

Individuals.  For Individuals and Families we break our services into two primary categories ...Insurance & Planning.

Business Entities.  On the Business side we offer services that business Principals need to ensure the successful transition of ownership, protection and retirement and incentives for Employees.

Special Needs Planning.  For those families caring for members of their family with special needs there are additional burdens to provide for them that may extend beyond their own lives.  Working closely with Estate Planning Attorneys we can structure a plan to provide for your loved one without impacting needed services. 

 

Individual Insurance Services

 Polices to address a financial exposure such as inadequate life or income protection.  Under this heading are policies such as:

  • Life Insurance
  • Disability Insurance
  • Long-term Care Insurance
  • Cancer and Critical Illness Insurance
  • Accident Insurance
  • Pet Insurance

 

Planning Services

Few people, including many in the industry, realize the potential to utilize power inherent in insurance policies to create, protect and build wealth.  This can be a great compliment to many market based retirement strategies that carry with them the inherent risk of the market and the timing of your needs.

  • College Funding
  • Retirement Funding
  • Long-term Care Funding

 

Business Services

Business entities also need to protect their ability to generate income or for the successful transition of ownership to the next "generation" especially when the unexpected happens.  A business may also be interested in offering Employees protection (with or without cost to the business) for their own families and retirement or profit sharing programs.

  • Retirement Programs
  • Key Person Life Coverage
  • Key Person Disability Coverage
  • Funding for Buy-Sell Agreements
  • Partner Disability Insurance
  • Business Overhead Coverage
  • Group & Voluntary Disability
  • Group & Voluntary Life