Products

We offer complete financial protection for the needs of you and your family
CONTACT AGENT FOR MORE INFO ON ANY OF OUR PRODUCTS LISTED BELOW
Disability Coverage	Critical Illness Coverage	Annuities
Income protection for you and your family... Most people insure their material possessionstheir homes and cars, for example. But many of these same people dont insure what is probably their most valuable asset their ability to work and earn income. If you depend on your income to pay the bills, you need to seriously consider buying disability income insurance. Disability income insurance can help you pay your bills by replacing a portion of your income.	Critical coverage in times of need... Critical Illness plans pay a lump sum benefit (that may be income tax free) upon the first confirmed diagnosis of a covered illness or medical procedure. The cash benefit is paid directly to you to use any way you choose! No receipts need to be presented. Its a check made out to you. Receiving the benefit does not change payments from any other insurance plan you may have whether its health, disability income or workers compensation. The money is yours to ease the financial stress that a critical illness creates.	Build your financial stability with annuities... Annuities are sometimes described as the opposite of life insurance because annuities can help you protect against the possibility of living too long and outliving your resources. An annuity is a contract under which an insurance company promises to make a series of payments to a person in exchange for a single premium or a series of premiums. You can also use a deferred annuity to help you accumulate money for future use.
Reverse Mortgages	Long Term Care	Whole Life Coverage
Home care and facility options... A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.	Home care and facility options... By 2030, one in five Americans will be a senior citizen. Americans are living longer and healthier, thanks to better diet, better medical care and safer living & working environments. Yet no one is immune to the effects of aging and longevity - effects that often result in reduced physical or mental ability. By 2030 those needing LTC will skyrocket to 23+ million Americans, with projected, individual long term care costs reaching $300,000 annually per individual! Who has that kind of money to Spare?	Home care and facility options... An insurance policy with level premium payments that are higher than traditional term insurance contracts. These contracts offer a "cash value", which are designed to be a cash reserve that builds up against the death benefit. These policies credit interest to the cash value account and upon maturity of the contract (usually at age 95 or 100), the cash value equals the death benefit. This produces a benefit to the policy owner.