Life Insurance, Disability Insurance and Long Care products are crucial in planning for your future as well as the future of your family. These products can fulfill promises and obligations if you if you are injured, unable to work or die prematurely.

Life Insurance death benefits are income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

Disability benefits insure your most valuable asset- your ability to earn income. Disability income protection allows you to insure your income against the financial impact of a disabling illness or injury. This type of insurance can help you prepare for the unexpected effects of a car accident, cancer, debilitating arthritis or a stroke. If structured properly, these benefits can be received tax-free.

Long Term Care- Most people first learn about the need for Long Term Care when it’s too late. Planning ahead is imperative because it can help you control your financial future. In addition, you can maintain independence, retain your current standard of living and even receive care in the comforts of your own home. About 70 percent of people over age 65 require some level of care, and the likelihood of needing care increases as you age. We can structure a plan that’s right for you and your family.

Fixed Annuities- Looking for a sensible investment vehicle for your hard earned money? Looking to enjoy a steady flow of income in your retirement years? Consider one of our innovative fixed annuity products. Fixed annuities offer competitive interest rates along with guarantee of principal. Tax deferred growth means your money compounds faster. Plus, naming a beneficiary means avoidance of any probate. We represent numerous financially sound carriers offering short term and long term guarantees for your money.