Life Insurance

We will do a complete life insurance review in order to make sure you are covered properly.  We work with many different carriers and will find a solution for almost any life insurance need.  We offer whole life and term life insurance plans.

Most of us don’t like to go through all the medical exams and blood work that most life insurance carriers require.  We have many carriers that don’t require any exams at all!

Give us a call so you can protect your family today.

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Whole Life

Whole life insurance is insurance you keep forever.  The premiums remain the same throughout the policy period.  Depending on the carrier you will receive guaranteed interest rates and you may also receive dividend payments on your plan.

Once you have enough cash value in your policy you may be able to have the cash value pay for the monthly premium and you never have to make another payment on your policy.

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Term Life

Term life insurance is the least expensive option.  You can pick from a 10, 15, 20 and 30 year term.  Your premiums remain the same throughout the term.  Once the term is over you need to apply for another plan.  You do have the option to add the return of premium rider.  This rider will give you back the money paid into the policy at the end of the term.

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Disability Insurance

Disability insurance will take care of your financial obligations if you are sick or injured and can not work.  We will help you determine how much money you need on a monthly basis and taylor a plan to fit that need.  Disability insurance is especially important for the small business owner.  Most business owners opt out of work comp and have no coverage for themselves.  This is a low cost option to protect yourself, your family and your business.  You can use the money to support yourself during a disability or you may need to hire a replacement for yourself and this money will help you offset the added expense of an employee.