Personal Planning

Offering Universal and Whole Life Insurance, 2nd to Die Policies, and Standard 10, 20, 25, and 30 Year Term Life Insurance with a variety of rider options available, including Return of Premium!  Premium Financing and Life Settlement Plans are also available.  Life Insurance proceeds are paid to your beneficiaries tax free!  Whatever your needs, we have a financial solution that protects you and your family.

Protect your wealth and your retirement with the safest investment today - without any risk of loss.  We offer fixed, indexed, and immediate annuities.  Whichever option you choose, you will never lose your principle investment.  Represented are only major A+ rated carriers.

Are You Prepared

According to the US Department of Labor, the greatest uninsured risk Americans face today is long term care.  Since we cannot guarantee our health, we can at least secure our future.  Sixty percent of all Americans who reach the age 65 may need long-term care at some point in their remaining lives.  Long-term care insurance is a great way to protect your assets and your savings.  One year in a nursing home can cost anywhere from $40,000 to $100,000.  With a long-term care insurance policy, you are able to pay or long-term care needs without losing your home, retirement or savings.  You are given the freedom of choice to receive care in your home, an assisted living center or a residential facility.  You design your own policy, custom tailored to your insurance needs and financial situation.  Represented are the major long-term care insurance carriers and provided is a no obligation, free of cost, consultation which will review your insurance options, benefits and premiums available; all in the privacy of your own home.

Caring for Your Health

Unfortunately, Medicare does not cover all of your hospitalization and doctor charges.  You as a Senior, therefore, will need a Medicare Supplement.  What Medicare doesn't cover, the Supplement will.  With low monthly premiums and , the freedom to choose your own doctors.  Making senior health care easy, represented are all plans and a wide variety of carriers such as Blue Cross Blue Shield, Mutual of Omaha, Standard Life, Conseco Health and more.

Protect yourself and your family from unexpected illness with individual and family health and dental insurance plans.  Office co-pay plans are available to choose from, as well as HSA's.  HSA's are a high deductible option which also allows you to save money into an investment or retirement account in which you can withdraw money tax-free for medical care.  We represent Blue Cross Blue Shield, Humana, Unicare and American Republic, among others.

Save 30%-50% on your prescription drug medication.  Great for Seniors on Medicare or individuals with high prescription costs.   You owe it to yourself and your family to compare the costs and take advantage of the potential savings.