Services

TERM LIFE INSURANCE

The most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time and generally pays a benefit only if you die during that term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

whole life insurance

Provides lifelong protection. As long as you pay the premiums and no loans, withdrawals, or surrenders are taken, the full amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep it over a long period of time. It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals. Often, a combination of term and permanent insurance is the right solution

Employee benefits

Attracting, retaining and rewarding employees is vital to building a sustainable business. In this competitive employer market, you can differentiate yourself from other employers with attractive benefits packages (medical, dental, vision, etc).

short term disability

Short-term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job. Typically, a short-term disability policy provides you with 40 to 80 percent of your pre-disability base salary.

Long term disability

Long-term disability insurance pays a percentage of your salary if you become disabled for an extended period. Like short-term disability, if you are not able to work for a long period of time due to sickness or injury not related to your job, a long-term disability policy provides you with 40 to 80 percent of your pre-disability base salary.

health insurance (dental + vision)

Are you looking for new insurance? Is your HMO too restrictive? Is your PPO too expensive? Is your COBRA coverage ending? We can help you identify the best medical, dental and vision coverage to suit your needs and budget.

Annuities

An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments and, in return, obtain regular disbursements beginning either immediately or at some point in the future. The goal of annuity is to provide a steady stream of income during retirement.

Long term care insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult daycare for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.