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The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.

Whether you are searching for Medicare supplemental insurance, annuities, life insurance or niche plans such as guaranteed health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in...




Term Life ...

gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.


Term Life Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.



Long-Term Care and Final Expense Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.



Term Life ...

Term Life Insurance provides affordable coverage for a specific period oftime.  Payment amounts don’t change forthe guaranteed premium period. 

Typically, a term life policy can be used to cover needs like:

   - Paying off the mortgage

   - Providing an emergency fund

   - Provide a child’s education

   - Paying off personal debts

Our term policies are guaranteed renewable.  That means, if you have a preferred ratingtoday, you would be guaranteed that same preferred rating, no matter what yourhealth situation is, when it is time to renew your policy.



Universal Life ...

Universal Life Insurance provides protection that lasts a lifetime.  It may build cash value that can be used evenwhen you are living.  There are 2 majorfeatures that set these policies apart:

   - 80% of the death benefit could beused for Long-term Care expenses should such a need exist.

   - A “Return of Premium” feature willensure all premiums paid into this insurance will be returned to you should youdecide you don’t need this insurance any more. 

Typically, Universal Life Insurance policies are used tocover needs like:

   - Ongoing income for your family

   - Supplement retirement

   - Fund an estate or businesscontinuation plan



Financial Planning and Life Insurance ...

TAX FREE BENEFITS:  While it’s well known that life insuranceprovides a financial replacement for income lost upon one’s death, thesepolicies can also be structured such that your heirs benefit from your policy’sproceeds tax-free. Most life insurance proceeds are received income tax-free.

AVOID PROBATE FEES:  Life insurance proceeds payable to someoneother than the insured's estate can avoid passing through probate when thepolicy is owned by an irrevocable insurance trust. For example, the funds maybe used to satisfy marital settlement obligations for child or spousal support.

CHARITABLE DONATIONS THAT OFFER ESTATE TAX DEDUCTIONS:  Life insurance lets you give to charity,while your estate enjoys the associated tax deduction.  Using life insurance,a person is able to leave a substantial gift to their favorite charity. Sincegifts to charities are estate tax deductible, this gift is not subject toestate taxes upon death.

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