Secure Your Future with:

Life & Health Insurance

Affordable type of life because the insurer is only covering the risk of death during the limited, specified period. Premiums are usually fixed(level) duration of the term.
Temporary Coverage Covering Specific Period of time (the "term") 10,15,20, or 30 years.
No Accumulated Cash Value or savings component.
Death Benefit is payable if the insured dies within the policy term.
Terms expires, coverage ends or policy may be renewable with higher premiums.
Best used for covering specific, temporary financial needs.

Permanent, the policy remains in force for the insured's entire life, provided the premiums are paid.
Cash Accumulation that grows on a tax-deferred basis at a guaranteed rate.
Higher premiums are substantially higher than Term Life, but they are fixed (level) for the entire life of the policy and never increase.
Death Benefit is guaranteed to be paid to the beneficiaries upon the death of the insured, regardless of when it occurs (as long as the policy is in force).
Lifetime needs, like covering final expenses, estate planning, creating a guaranteed inheritance, or using the cash value for retirement income supplementation.

Fixed Annuity (guaranteed interest rate)
Variable Annuity (tied to investment performance)
Indexed Annuity (tied to a market index)
Income Retirement to protect against the Risk of outliving your money (longevity risk).
An agreement where an individual makes a single payment (lump sum) or a series of payments to an insurance company.
Funds grow tax-deferred ( you don't pay taxes on the interest/gains until you withdraw the money.
Payments are received during the insured's lifetime either immediate or deferred until a future retirement date. (or for a specified period)
The Annuitant (the person receiving the payments) is the primary beneficiary. Some annuities have a death benefit that pays the remainder of the balance to a named beneficiary upon the annuitant's death.

Assess Your Needs: Complete our quick intake form.
Review Options: We analyze your options and assist you choosing what's the best option for your needs.
Finalize Coverage: Review and sign your tailored policy.