RISK MANAGEMENT
Why Purchase Life Insurance
If you have a family who relies on your income, it is important to have life insurance protection.
Annuities as an Insurance Product
An annuity is a contract between you and an insurance co. to pay you future income in exchange for premiums you pay.
Property and Casualty Insurance
Business Owner Policies
A biz owner policy is an insurance package that assembles the basic coverages required by a biz owner in one bundle.
Life Insurance for Business Owners
Company-owned life ins is 1 way to help protect a biz from financial problems caused by the death of a key employee.
Split-Dollar Life Insurance
Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.
Last-Survivor Life Insurance
Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.
Disability Income Insurance for Business Owners
Term Life Insurance
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
Whole Life Insurance
Some of the pros and cons of whole life insurance.
Universal Life Insurance
Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.
Variable Life Insurance
Variable life insurance gives you the control to allocate your account value among a variety of investment options.
Auto Insurance
Insurance Claims
Maximizing Your Insurance Benefits
Several factors could undermine the financial security provided by the proceeds of your life insurance policy.
Insuring Your Future
To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.
Protecting Your Home
Assessing Disability Income Insurance
Types of Health Coverage
Additional Liability Coverage
Consider add'l liability ins. to help protect you from the potentially devastating effects of liability lawsuits.
HMOs and PPOs
Evaluating Insurance Companies
Using a financially sound insurance company is an important part of ensuring your family’s financial security.
Long-Term Care Costs
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
Medicare Coverage
Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?
Long-Term-Care Needs
If you were to suffer an illness or disability that required long-term nursing care, would you be covered?
Types of Life Insurance
When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.