Individual Insurance

Life Insurance

Life insurance ensures that the people who depend on you will be provided for if you die. It is the basic foundation of financial security for you and your family. There are many different types of life insurance; we can tailor an insurance product to meet your unique situation and financial goals.

  • Term Life
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Survivorship Life

Disability Insurance

Men and women of employable age are more likely to be disabled than they are to die. Most individuals do not have sufficient capital to support themselves and their families in the event of lost income. Purchasing disability income insurance is a critical tool in planning for a period of disability. We can help evaluate your potential need for disability income insurance and analyze the options.

  • Individual income
  • Supplemental DI to group benefit
  • Overhead expense insurance

LTC Insurance

Planning for your family and future should include long-term care insurance. Nursing home care and home health care costs are becoming an increasing burden to aging individuals and their families. Planning early for the potential need of elder care benefits can allay serious financial strain at a later time.

  • 100% Home Health Care
  • Survivorship and Shared Care
  • 10-pay Option
  • Spousal Discounts