Services We Offer
People are living longer today because of advances in medicine and medical technology. Because people are living longer, their chances of becoming frail in their later years increase. You may never develop a chronic illness and therefore may never need assistance with activities of daily living. It probably won't happen to you. But if it did, the emotional, physical, and financial consequences to your spouse and children of having to provide care for you would be devastating. Protect those people you love by creating a plan. Call us today for assistance!
Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. There are different types of life insurance and choosing a policy is an important decision. We can assist you in determining which type and amount will best suit your needs. These are a few questions your insurance agent should be able to explain to you:
- Why do I need to buy life insurance?
- How much life insurance do I need?
- What are the different types of insurance?
- What are the advantages and disadvantages of each type of insurance?
- How do I choose a company?
Protect yourself, your family and your employees from unforseen illness. We provide coverage for individuals, families, and
businesses through many of the top carriers.
If you become disabled, disability income insurance provides money to help you pay ongoing bills and avoid depleting the savings you may have accumulated for your children's education or your retirement. Before purchasing an individual disability income insurance policy, evaluate your income needs as well as the benefits you my be eligible for from your employer. If you decide that you and your family will benefit from additional financial protection, a long-term disability income policy may be the right financial protection tool for you. We also provide group long-term disability policies for your employees. This replaces part of your salary if you are unable to work for an extended time. A typical group policy pays at least half your salary up to a specified limit. Such coverage would begin when the short-term disability benefits from your employer stop. Benefits from group policies generally continue until either age 65 or your retirement age under Social Security or until you are able to return to work. Group coverage lasts only as long as you are employed or remain a member of the group.