Life & Health

We understand the regulations and choices involved in buying life insurance and health coverage can be confusing.  We are here to help you wade through these complexities to ensure that your needs, and those of your family, are met.

We'll work with you to determine the coverage that's right for you and give you the options available from our many carriers to make sure you receive the best coverage at the best rate available.

Our product offerings include:

Life.  When choosing a life insurance policy, we understand the importance of considering the lives of your surviving family members.  You should choose the policy that will be affordable to you, but will make a difference to your family if you should pass away.  That's why we take the time to listen carefully to your needs, and help you evaluate different plans.  We are able to gather quotes from our carriers quickly so you may compare coverages and costs.

Personal Medical Insurance.  The marketplace for medical insurance can be a challenging one.  Our expertise and experience can make a real difference for customers who may not have access to Group medical insurance.  We know the market and can show you several options from our carriers.  We can also help you find innovative solutions for specialized health insurance needs.  Click here for more links to Personal Medical Insurance

Long-Term Care.  Long-term care insurance is becoming the newest step in retirement planning. Because LTC protects against the high cost of a long-term illness, purchasing this policy may be one of the most important steps you can take toward preserving your assets and independence in your retirement years.  We can help you to understand the different approaches to long-term care insurance and design a plan that fits your circumstances and your needs.

Individual Disability.  The financial impact of a disabling illness or injury can be overwhelming.  Worker's Compensation will only cover for accidental disabilities that occur on your job, while Individual Disability insurance covers you 24 hours a day for both accidental and sickness claims.  Individual Disability insurance typically provides tax-free cash benefits for a duration of 2 years or 5 years, or even up to age 65.

Click here for a list of frequently asked questions.