Life Insurance / Annuities

We offer competitive whole life insurance plans to protect you and your family. 

Find the right policy to suit your financial strategy. 

• Permanent Insurance 
• Build Cash Value
• Flexible Premiums
• Tax-Free Retirement Income (Loans) 
• Tax-Deferred Growth
• Tax-Free Death Benefits 

Term life insurance is made affordable on any budget to protect your family up to the amount of the policy. 

• Fixed Premiums
• Up to 40 Years Term Policy
• Supplement Other Policies
• No Cost Accelerated Benefit Rider 

Preserve your assets by receiving a guaranteed minimum rate while taking advantage of a rising market. 

• Based on Market Index
• Build Cash Value
• Flexible Premiums
• Survivorship Life
• Tax-Free Death Benefit to Your Loved Ones  

We can help you customize an index annuity to suit your personal needs. 

• Structured Income while Working
• Income For Retirement
• Taxed Deferred Interest
• Guaranteed Penalty-Free Withdrawal Options
• Guaranteed Death Benefit  

Have the benefits of a traditional annuity with the potential increase of the market index. 

• Guaranteed Minimum Rate
• Based on Market Index
• Potentially Tax-Deferred
• Income For Retirement
• May Avoid Probate Fees  

 A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as:

• Your home.
• A nursing home.
• An assisted living facility.
• An adult day care center.

Considering long-term care costs is an important part of any long-range financial plan, especially in your 50s and beyond. Waiting until you need care to buy coverage is not an option. You won’t qualify for long-term care insurance if you already have a debilitating condition. Most people with long-term care insurance buy it in their mid-50s to mid-60s. 

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for an individual to complete the core functions of their work.

Disability insurance protects you from the financial risk of losing your income when you become disabled and can’t work.

 Group insurance is an insurance that covers a group of people, for example the members of a society or professional association, or the employees of a particular employer for the purpose of taking insurance. Group insurance may offer life insurance, health insurance, and/or some other types of personal insurance.