Personal Insurance and Policy

Properly selected insurance products can provide solutions to families for continued income in the event of death, disability or retirement. Insurance is also a unique tool to provide tax-favored cash for the payment of estate taxes. Our goal is to provide individual clients with the most competitive products and offer solutions to complex problems in a simple, understandable manner.

Life Insurance

  • Term -  We offer the lowest term insurance rates available in the insurance industry. Term life insurance offers the family the ability to carry the needed coverage for the lowest initial premium.  Guaranteed level premium periods can be selected from one to thirty years. 
  • Permanent – Permanent life insurance is available in several forms, each offering different characteristics.
    • Whole Life
    • Universal Life
    • Indexed Universal Life – IUL is the fastest growing form of permanent insurance purchased in the U.S.  It offers the potential for higher interest earnings long term based on the performance of a stock index like the S&P 500, with no loss when markets decline.
    • Survivor Universal Life (used primarily for estate planning purposes)

Disability Insurance
Long Term Care Insurance
Retirement Insurance Contract 3 Questions

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