Life Insurance 

There are two types of life insurance: Term (temporary) and Permanent (Whole, Universal).

Term life insurance is a type of life insurance that provides a death benefit for a specific period of time (term), such as 10 years, 20 or 30 years. It is the most affordable type of life insurance and is designed to protect your loved ones from financial burdens, such as a mortgage or education costs, if you die unexpectedly during the term.

Permanent life insurance is a type of life insurance that provides lifelong coverage and includes a cash value component that grows over time on a tax-deferred basis. Unlike term life insurance, which only covers a specific period, a permanent policy remains in effect for your entire life as long as premiums are paid. 

Have Health Challenges?

High Blood Pressure, diabetes, weight, prior heart attack, TIA, digestive issues, mental health or cancer history? Because of medical advances to treatment, insurance companies are much more willing and competitive to insure less than perfect health conditions. We have been very successful with clients who have been previously denied policies because of their health history. If you have a medical situation and a question about obtaining life insurance, please call us!

What about those Guaranteed Issue Final Expense products I see for $9.95 per month? Well, they may work for some. They are very expensive for the amount of coverage you get and they have certain conditions. For example, $9.95 per month only buys $1,000 worth of insurance! So, a burial policy of $12,000 would cost $120 per month. That $120 per month could buy much more insurance with a conventionally issued policy.

Health Insurance

Many Covid-19 era health care subsidies have expired and Affordable Care Act AKA ”Obamacare’, rates on the Heath Exchanges have seen significant increases.

We have unique, competitive major medical and limited plan options with companies like Aetna, Blue Cross/Blue Shield, First Health and PHCS for self-employed professionals, independent contractors and ‘Gig’ workers like Amazon, DoorDash and Uber workers who need access to wide hospital networks, preferred doctors and prescription plans that employees at large companies enjoy. You choose the plan that works best for you and your family. 

Just click on the Health Insurance Contact Information button for 2026 Plans, Rates and Enrollment and we will get back to you discuss your best options!

Long Term Care

Caregiving or being cared for is a real (and expensive) thing. Prepare for the financial probability or possibility early. We can help.

Life insurance with long-term care (LTC) focuses on protecting your assets and family from high care costs, offering “hybrid” policies (like Whole Life with LTC rider or Annuities with LTC) that pay for care or a death benefit, addressing fears of wasted premiums by guaranteeing some payout, and highlighting financial security for ailing, aging and staying home with dignity.

• “Never Waste Your Premium”: Combination products ensure benefits are paid as LTC or a death benefit, solving the “use it or lose it” problem of traditional LTC.
• Financial Security: Protect your home, legacy, and retirement savings from massive care expenses.
• Stay at Home: Many policies cover in-home care, allowing you to remain independent.
• Tax Advantages: Benefits for qualifying care are often tax-free.
• Peace of Mind: Plan now to avoid burdening family later. Buy what you can afford. Even the little now may mean a whole lot later. 
• Focus on what you can reasonably achieve to build a foundation. It is better to buy a policy that will cover 25 to 50 percent of future costs than no policy at all.

Preparedness

• Despite the high need, a small percentage of older adults are financially prepared, with only about 3-4% of those 50+ holding long-term care insurance policies. 
• LTC is not just for old age! Surprisingly, Working-Age Adults: A significant portion (40%) of those receiving long-term care are working-age individuals (18-64). Anything can happen.

With over 30 years in the insurance business, let us help you design a financial protection system that will give you better peace of mind for the future’s uncertainty. 

Commercial Insurance

We have competitive markets for property, liability, workers compensation and umbrella excess coverage for your business, large or small.

Please use the contact form below, we look forward to working with you!