Individual Whole Life Insurance

Whole Life insurance is permanent insurance that has a fixed cost for the duration of the policy holder’s life.

Individual Term Life Insurance 

Term life insurance pays a death benefit during a specific term, most commonly 10 to 20 years.

Universal Life Insurance

Universal life insurance is permanent life insurance that allows cash value but does not have a fixed cost during the duration of the policy holder’s life.

Annuities

An annuity is a lump sum of cash invested to produce a monthly stream of income for a fixed period or for life.

Medicare Supplement Insurance

Medicare supplement insurance is available for people 65 years of age or older with both Part A and Part B medicare.

Group Health Dental & Vision Insurance

We shop for the most competitive rates and coverage from all carriers as opposed to agents that represent one insurance carrier.

Group Basic Life Insurance

Often employers provide a small amount of life insurance at no cost to their employees as an added employee benefit.

Group Voluntary Life Insurance

Offering life insurance to your employees can be an added benefit due to the convenience of payroll deduction.

Group Short Term Disability

We all expect to miss the occasional day or two of work because of illness or injury. But sometimes health issues can lead to extended leaves of absence and even lost income.

Group Long Term Disability

We all expect to miss the occasional day or two of work because of illness or injury.

Group Accident Insurance

 Group accident insurance can be offered voluntarily to employees to help offset expenses for hospital, care-related services, loss of wages, lodging, meals, and other out of-pocket expenses in the event of an accident.

Group Critical Illness (Cancer) Insurance

Critical Illness policies provide either scheduled or lump sum benefits upon initial diagnosis of a covered illness or condition.