We look forward to reviewing your business' present coverage and the opportunity to provide you with a NO OBLIGATION PROPOSAL .
Life Insurance
 Whether you are covering a loan or mortgage for your bank, assuring liquidity for estate tax planning, providing for the orderly transition of a partnership or closely held business, covering a key person in your business organization, or guaranteeing that your children’s college tuition will be paid in your unexpected absence, life insurance can be a valuable tool.
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Universal Life
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Annual Renewable Term
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Level Term
Long Term Care Insurance
 Long Term Care insurance can allow you to maintain your independence so you won’t have to burden your family, who may not have the training and skills needed to help you.
- Protect your assets from the rising costs of long term care
- Maintain a greater level of Independence and dignity
- Improve your quality of life
 Disability & Group Accident
For situations where the possibility of injury exists but other insurance coverage doesn’t, Group Accident Policies can be the best answer to your coverage needs.
Here are some of the Groups we can cover
- Volunteer Workers: Church Groups & other volunteer group)
- Athletic Teams: All sports for all age groups. Both primary and excess plans are available
- Youth Groups: Scouts, Church Groups, etc.)
- Volunteer Civic Workers: Fire Depts., Ambulance Corps., Emergency Medical Units, Fire Police
Individual Disability Income
For situations where the possibility of injury exists but other insurance coverage doesn’t, Group Accident Policies can be the best answer to your coverage needs.
Planned Features of our Disability Policy
- Fully Portable: (Policy is individually owned)
- 24hr coverage is worldwide (occupational & non-occupational)
- Guaranteed renewal policy (cannot be cancelled due to health problems)
- Accident & Sickness coverage
- Benefits not offset by Workers' Compensation & Social Security
- Covers most blue and white collar occupations
- Uni-sex rates
 Simplified Underwriting
- no physical examinations blood, urine, attending physician's statements, or investigating reports required
- No income documentation
- Will consider all income ranges
- Will not deny coverage on unemployed persons with unclaimed income
Design your plan from these options
- 6 month or 1 year benefit period
- 0 day accident - 15 day sickness elimination period
- 30 day accident - 30 day sickness elimination period
- 60 day accident - 60 day sickness elimination period
- Your most important asset is the ability to earn an income.
Protect your mortgage payment, car payments, and your life style in general with our individual disability insurance.
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