It is wise to protect your family with affordable and flexible life insurance coverage.
A life insurance policy is a contract with your insurance company. In return for premium payments, the insurance company provides a payment (known as a death benefit) to beneficiaries upon the death of the insured.
Life insurance is chosen based on the needs and goals of the owner. Term Life insurance generally provides protection for a set period of time, while permanent insurance, such as Whole and Universal Life, provides lifetime coverage. Death benefits from these life insurance policies are generally income tax-free.
An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time. People typically buy annuities to help manage their income in retirement.
There are three basic types of annuities, fixed, variable and indexed.
Long Term Care
A long-term care (LTC) rider is an optional add-on to a qualifying life insurance policy that provides financial support if you need hands-on daily care from a nurse or a health aide for long periods of time. This care can be received at your home or in a health care facility.
Disability Insurance (DI) provides short-term benefits to individuals who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy.
A Medicare Supplement insurance plan can help you pay for medical costs that may not be covered by Medicare. We will work with you to help select the best supplement insurance for your needs and budget.