Our Products

Life Insurance
Life insurance helps protect the people who depend on you for financial support by replacing some or all of your lost income when you die. It can help pay expenses that your income normally would have covered, including mortgage payments, bills, and a dependent´s child care or college tuition.Some types of life insurance also accumulate cash value during the policyholder´s lifetime that can be withdrawn or borrowed against.

Investment Products and Services
Our investment products and services, available through our companies and organizations, will help you achieve your financial goals at every stage of your life.

Annuities
One of the greatest benefits of an annuity is that the interest credited to your annuity is completely untouched by current federal income tax during the accumulation period. As a result of tax deferral, interest is compounded and your investment grows at a faster rate. You pay no taxes until you begin to receive income payments or make a withdrawal.

Critical Illness & Disability Insurance
Market-leading disability insurance products covering total or partial disability of professionals, business executives, small business owners and others.

Long-Term Care Insurance
Comprehensive long-term care Insurance reimburses some or all of the costs of care received in settings such as the home, the community, alternate living facilities and nursing facilities.

Medicare Supplements
Medicare was not designed to cover all of your medical bills and expenses. The good news is that additional coverage does exist: Medicare Supplement Insurance.  Medicare Supplement is health insurance to fill some of the “gaps” in the original Medicare plan.

Living Trust - all documents prepared by local attorneys
Avoids probate at death, including multiple probates if you own property in other states. Prevents court control of assets at incapacity.  Brings all your assets together under one plan.

Estate Planning and Financial Management Seminars - Available Upon Request

Life can change in a heartbeat — an unanticipated critical illness could dramatically change your life. No one has immunity from life’s risks.

Fortunately — if a critical illness like a heart attack, stroke or other serious illness strikes, you’ll probably survive thanks to recent medical advances. But, recovery comes at a price. If you had to take an extended leave from your work or if you couldn’t return to your job because of physical limitations, your bills would pile up while your income decreased.