Life Insurance

Leave a legacy of love. Whether you need to secure a loan, are doing estate planning or just want to ensure your family is provided for if your life is cut short, life insurance can provide this protection.

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

  1. Replace income for dependents
    If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.
  2. Pay final expenses
    Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
  3. Create an inheritance for your heirs
    Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
  4. Pay federal & state death taxes
    Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance.
  5. Make significant charitable contributions
    By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy's premiums.
  6. Create a source of savings
    Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of "forced" savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

Health Insurance

Medical Insurance As an independent agency, we are your advocate when it comes to insurance. Specializing in individual, family and small business health plans, you can rest assured that we will help you find the plan that is best for you and your budget. Our service doesn't end at the sale, in fact it just begins. We are appointed with all major carriers including: UnitedHealthCare, Golden Rule, & American Republic.

Short Term Medical Whether you are in between jobs, waiting for your employer coverage or newly independent, a short-term health insurance policy may be perfect for you. A short-term health insurance policy provides the financial and bodily security against the catastrophic incidents that can affect anyone at anytime. Affordable, many coverage options to choose from and easy to obtain.

Disability Insurance Health insurance is only half the story. If health insurance pays your doctors and hospital, who will pay you when you become ill or injured? Disability Insurance income protection insurance does just that. Your best asset is your ability to earn a living. Call us today to see how affordable it is to protect it.