A big part of keeping your dream alive is making plans to protect the financial situation of your loved ones, particularly your dependents.  We believe that sound planning begins by building a strong base of financial security.  We have access to a full spectrum of insurance products designed to help you manage the risks of premature death, disability and health care.  We can provide guidance in choosing the type of coverage that is appropriate for you and your family, including those available through your employer.

Long Term Care Insurance

Long term care insurance provides you with day-to-day assistance when a serious illness or disability renders you unable to care for yourself, whether physically or cognitively, for a lengthy period of time.  Long term care can be provided at home or at nursing, assisted living or alternate care facilities.  Long term care insurance can help provide a sense of security.  You can gain maximum protection against the potentially high costs of long term health care while helping to preserve your resources.

Life Insurance

Life insurance is often purchased to replace income that potentially can be lost with the death of a wage earner.  Life insurance policies work from the same basic idea - they help protect the financial security of your family in the event of your untimely death.  You pay the insurer premiums and the insurer promises to pay your beneficiaries a tax free death benefit when you die. 

One thing is generally true for all types of life insurance (i.e. Whole, Variable, Universal and Term) - the younger you are and the healthier you are when you purchase life insurance, typically the less it will cost you to own a life insurance policy.  You should consider your life insurance needs when major events occur in your life such as marriage, the birth of your children or a business startup.

Disability Income Insurance

Disability income insurance provides supplemental income to an individual whose earnings have been impacted due to an accident or illness.  If you're an individual employee, disability insurance may help replace part of your income until you get back on the job.  If you're a business owner, coverage may help pay day-to-day operating expenses if you're unable to work.  It also helps provide funds to purchase a disabled partner's share of a business through a buy-out agreement or compensate for profits lost and expenses incurred if replacing a disabled key individual.