Insurance and Risk Management

Through our independent brokerage, we have access to many companies for life, disability and long-term care insurance. Our underwriting process allows us to shop multiple companies on your behalf with only one set of underwriting requirements. The result is that you get representation in the complex insurance marketplace that is focused solely on your needs.

Life Insurance

We offer comprehensive life insurance solutions to protect your loved ones and secure their financial future. Our life insurance options include:

• Term Life Insurance: Affordable coverage for a specific period
• Whole Life Insurance: Lifetime coverage with cash value accumulation
• Universal Life Insurance: Flexible premiums and adjustable benefits

Benefits:

• Financial security for your family
• Coverage for final expenses
• Tax-advantaged wealth transfer
• Optional riders for customized protection

Disability Insurance

Protect your income and maintain your lifestyle if you become unable to work due to illness or injury. Our disability coverage includes:

• Short-term Disability: Coverage for temporary disabilities
• Long-term Disability: Extended coverage for longer-term conditions
• Business Overhead: Protection for business owners

Benefits:

• Monthly income replacement
• Flexible elimination periods
• Own-occupation coverage available
• Cost of living adjustments

Long-term Care Insurance

Prepare for future care needs while protecting your assets with our long-term care solutions:

• Nursing Home Care Coverage
• Assisted Living Facility Care
• Home Health Care Services
• Adult Day Care Services

Benefits:

• Preserves your retirement savings
• Reduces burden on family members
• Flexible care options
• Inflation protection available

Why Choose Us?

• Personalized consultation and needs analysis
• Competitive rates from top-rated carriers
• Expert guidance throughout the application process
• Ongoing service and policy review
• Claims assistance when you need it most