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

As a biz owner, a disability can create an economic hardship putting both your personal finances and biz at risk.

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

Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

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.