Life/Health/Med Sup/Long Term Care Insurance

Life Insurance provides either a stated sum or a periodic income to your designated beneficiaries upon your death. Certain "life events" such as marriage, the birth of a child, or a change of jobs trigger the need to buy or add life insurance. Deciding that you need life insurance is the first step. The next step, deciding what kind of life insurance, is where we can help. We offer a variety of policies to fit a variety of needs.

As a senior - you may ask "Why do I need life insurance?" We like to call it "Estate Preservation". Did you realize that in some cases, 86% of your estate can be lost to TAXES. By the use of life insurance "Estate Preservation" we can provide TAX-FREE dollars and offset estate taxation. Contact us to learn how easy it is to preserve your estate.


Term Life Insurance

Term Life insurance provides protection for a specific period of time, usually 5, 10, 15 or 20 years, and pays the benefit only if the loved one passes away during the term. If you are interested in short term coverage or coverage for a specific need such as college tuition or the purchase of a home, Term Life insurance would suit you. It is also an affordable option for young people buying insurance for the first time. Term Life insurance does not build any cash values and can get more expensive as you get older.

Universal Life


Universal Life insurance is similar in design to Term Life insurance but has an additional feature that allows you to put extra funds into the policy over and above the life insurance cost. These excess funds are entered into an interest bearing account where they grow on a tax-advantaged basis. You may accumulate significant cash value over the years and, in some circumstances, "borrow" the appreciated funds without paying taxes on the borrowed gains. As long as the policy stays in force the borrowed funds do not need to be repaid, but interest may be charged to your cash value account.

Whole Life

A traditional Whole Life insurance policy provides both a death benefit and a cash value component. You can borrow this cash value to pay for unforeseen expenses, education or even to supplement retirement income. Many Whole Life insurance policies let you participate in the profits of the insurance company by receiving "dividends" and let you choose what you want done with your dividends, from building cash value, to buying additional "paid up" amounts of Whole Life insurance coverage, to even helping pay your policy's premiums.


Health Insurance is an important aspect of your overall financial and life security. Minimizing the health care costs associated with illness and accidents for yourself and your family is easy to do and you have many options for coverage. Whether you are a senior needing a Medicare Supplement, an individual looking for personal health coverage, a small business wanting to create a health insurance benefit for your employees or a large corporation, we can find the plan that fits your budget and your health care needs.
Long-Term Care is the only insurance plan that offers protection from exhausting your savings for a long-lasting illness or disability. Half a million Americans fall into poverty while paying for long-term care. Medicare covers a small fraction of long-term care and it is limited to skilled nursing care, which isn't the same as custodial care - the kind of long-term care most people need. Some private health insurance plans cover a month or two of skilled nursing after a hospital stay, but that's all. To qualify for Medicaid, you must deplete most of your assets and contribute nearly all of your income to meet the program's poverty requirements. Planning ahead with a Long-Term Care policy can protect you and your family from losing your life savings to pay for needed services if you become chronically ill or infirm.