Insurance Services

No one expects the unexpected.
  • Gain peace of mind with life insurance coverage.
  • Ensure you get paid, even while you're recuperating, with disability insurance.
  • Secure quality care in your senior years with long-term care insurance.

Life is uncertain, so it pays to be prepared.

Insurance is a key component of a thoughtful financial plan.

Life Insurance

Our team of insurance specialists will recommend the solutions that best protect you, your loved ones, and your business. Throughout your financial journey, we will work with you to adjust your coverage to account for life's many changes.

  • Term Life Insurance: Provides a cost-efficient coverage choice. It provides payments to beneficiaries if the insured person passes away during a designated period of time.
  • Whole Life Insurance: Provides coverage for the entire life of the insured person. It also provides a tax-deferred growth of cash value in addition to the death benefit.
  • Universal Life Insurance: Provides the insured person more flexibility than a whole life policy. You can change the benefit levels and adjust your premiums at any time after the first premium payment has been made.

Disability Insurance

Studies show that one in every three Americans will be disabled for at least 90 days at some point in their careers. When injury or illness keeps you off the job, Disability Insurance allows you to stay focused on your recovery without worrying about paying bills.

  • Protect a portion of your income if you're unable to work due to illness or injury.
  • Receive monthly payments to pay for housing, childcare and other ongoing living expenses.
  • Enjoy peace of mind as your policy follows you even if you change jobs.

Long-Term Care Insurance

Americans are living longer and healthier lives. But it's possible that you or a family member will need extra attention at some point. With nursing home costs nearing $10,000 a month, the right policy can expand your care options and protect your financial independence.

  • Provides for those in nursing homes, assisted living facilities, and at-home nursing care.
  • Reduces the impact on your savings.
  • Provides for professional care and reduces the burden on family and friends.
  • Provides a higher level of care services, including home-delivered meals, adult daycare, and respite services for caregivers.