Life, Disability & Health

Term Life Insurance

Term Life Insurance policies are currently very inexpensive. These policies are ideal if you have a mortgage, or if your family will need income in the event of your premature death. Retirement funds are at their lowest level in many years and Term Life Insurance provides an inexpensive alternative to protect your family.

Determining how much life insurance you need is one of the most common questions we are asked. Unfortunately, only you can truly decide the number that’s right for you. We have tools available to help you find the right amount – call us today.

Universal Life Insurance

Universal Life Insurance policies are more expensive than Term Life policies, but offer many benefits that Term Life does not. Universal policies do not have a time limit on when they expire. As long as you continue to pay the premiums, your policy will remain in force with no increase in premium. Obtain these policies while you’re young to get low premiums.

Universal Life Insurance also has some potential benefits that may surprise you. Call us today to find out more about this versatile Life Insurance Policy.

Disability Insurance

Disability policies are available for both the short and long term for most classes of occupation. These can provide invaluable benefits if you become sick or disabled.

Workers Compensation will only provide you protection if you are injured on the job. Social Security has a six month waiting period. Call us today for your free disability quote. We can help you maximize your benefits and keep your premium low.

Health Insurance

If you are self-employed, unemployed, or do not receive these benefits from your employer, we can help you get a policy designed for your needs. Whether you need a low cost plan to protect you against major medical expenses, or want low copays and immediate benefits, we can help you obtain a policy.

Annuities

Annuities are a great investment for people who either want to pass their assets along to their loved ones or to provide a steady stream of income for life.  There are several different types of annuity strategies, but the key to finding the appropriate annuity for you, is knowing what you want your money to do for you. If your sole purpose is to pass your money onto your beneficiaries, annuities will avoid probate and be a private transfer of monies.  If you need to supplement your retirement, annuities can provide you a steady stream of income for life.  In many strategies, you can never outlive your money.  Annuities are also a great way to bulk up your investments safely.  As we work with both Fixed Annuities or Fixed Equity Indexed Annuities and you can never lose money. In fact you are guaranteed a minimum interest rate no matter what the market yields!  Please contact our Annuities Specialists to find out what the current annuity rates are. 1-800-642-3490