Life Insurance (Term and Whole)

Insurance that pays a sum of money either on the death of the insured person, or after a set period.

Annuities

A form of insurance or investment entitling the investor to a series of annual sums. An annuity is a fixed sum of money paid to someone each year, typically for the rest of their life.

"Debt Free Life"

Utilizing Infinite Banking and Participating Whole Life Insurance for individuals who are paying their monthly bills on time and contribute to a savings or retirement account.

  • Debt Free Life is a modern way to pay off your debt, including one’s mortgage, using the cash value of a specialized whole life insurance policy in a much reduced amount of time.

Long Term Care (LTC)

Our family insurance business are experts with LTC, and we have administered these benefits for our own elderly parents for years.

Mortgage Protection Insurance (MPI)

MPI is a type of insurance policy that helps your family (dependents and beneficiaries) make your monthly mortgage payments if you, as the policyholder and mortgage borrower, die before your mortgage is fully paid off.

Disability

Are you “worth more dead than alive?” Don’t be! An insurance plan that pays some of a person's income when he or she is disabled from an illness or injury and cannot work. The two main types of disability insurance are short-term disability (STD) and long-term disability (LTD).

  • Long-term care insurance policies reimburse policyholders a daily, monthly and annual amount (up to a pre-selected limit) for services to assist them with activities of daily living such as a place to live, all meals included, with nursing, exercising, bathing, dressing, and eating assistance, i.e. “Assisted Living”.

Group Health Plans

If you’re a business owner or decision maker, give your employees peace of mind when working with your business or non-profit by providing the major medical and prescription Health Insurance!

Final Expenses

Also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical, legal or debt expenses that will need to be settled by your beneficiary(ies).

  • A “Group Health Plan” (GHP) is health insurance offered by an employer, union, association or non-profit to its people while they are still working. GHP coverage is based on current employment. We advise business owners and decision makers through this ever-so important process of securing and protecting your employee’s health, and their families.