Life Insurance

Life Insurance for the individual or multi-life, fixed or variable, all has been carefully scrutinized to gather companies that offer excellent pricing and features at all ages. Unique product niches are carefully designed to provide the most competitive rates for each underwriting circumstance.  Your declined or rated case may be another carriers preferred or standard underwriting class.

Annuities

We Offer annuities from carriers with the highest ratings available and designed with competitive interest rates and flexible surrender charges for both the qualified and non-qualified marketplace. The menu of annuity products includes immediate or deferred, fixed as well as indexed.  (See our separate Annuity page under the Tools section for the Annuity Rate Watch link.)

Disability Income

Income Protection policies are offered for individuals with varied occupations and incomes. Policies include non-cancelable or guaranteed renewable premium rates and conditionally renewable. Residual benefits, recovery (return to work) benefits, future insurability, COLA riders, own occupation extensions, social insurance offset, and supplemental monthly benefits are just a few of the features available.

Long-Term Care

Long-Term Care products include Home Health, Nursing Facility, or Comprehensive care.   We specialize in personally designing your individual clients specific Long Term Care Insurance needs.