Used to attend to temporary needs (ex. Mortgage or income replacement). As representatives of several insurance carriers, we are about to suggest unique plans that are tailored to your needs.

Benefits:

• Short-term privileges
• Risk protection
• Less expensive

• Used to pay off debts and mortgages
• covers loss of income typically the most cost effective

Flexible and commonly used for estate planning and permanent needs upon death. Make contributions to a policy fund that earns a rate of return. Any excess cash after fixed fees is considered policy cash value and is paid out – tax free – to the policies beneficiaries.

Benefits:

• Permanent coverage
• Tax sheltered investments
• Level cost of insurance option
• Several investment options within

• Future cash value
• Policies grow in value
• Excellent for estate planning

Provides lifetime coverage under two primary classifications; participating and non-participating whole life insurance. Participatory allows you to partake in returns of respective carriers and as such, dividends are issued annually within your policy.

Benefits:

• Lifetime coverage
• “Cash value” insurance
• Contribute to equity growth

• Future cash value
• Policies grow in value
• Excellent for estate planning

Risk management product designed to compensate for potential losses incurred if disability occurs, which is especially useful for self-employed individuals or those in a position that does not offer group benefit packages. Paid out in monthly increments to appropriately cover disability and lost income.

Benefits:

• Proper preparation in case of disability.
• Replaces your income in the event of a disability

Insurance that provides a lump-sum tax-free benefit should serious illness or conditions occur including; cancer, heart disease, or heart attack. If services are never utilized or claimed, products have a unique option of reimbursing either a portion, or all of the unused policy.

Benefits:

• Proper preparation in case of illness
• Provides a lump sum benefit if your contract up to 33 illnesses including cancer, heart attack, stroke and coronary bypass surgery.
• Option to have all premiums returned if no claim is made.

This form of insurance provides a weekly or monthly benefit tax-free benefit that is payable when the insured is no longer able to perform two of the six Activities of Daily Living (ADLs) which include; bathing, eating, maintaining continence, toileting, and transferring. Designed to help you cover the cost of a nursing home facility or help cover the cost of homecare and remain in your home.

Benefits:

• Provides a monthly benefit if you are unable to perform 2 of your daily activities.
• Find and receive cost-effective quality care.