For You and Your Family:

• Life Insurance
  We offer all types of life insurance from many nationally recognized companies. We can show you a range of different options, and help you determine how much and which type best fits your needs and budget.
  

• Long-Term Disability Insurance
  For many of us our greatest financial assest is the ability to generate income. What if you lost this ability today? Long-term disability insurance replaces a part of your income if you become disabled.
  
  
• Short-Term Disability Insurance
  Many injuries and conditions only last a few months. Because long-term disability insurance typically has a long waiting period, short-term disability insurance may be used to bridge the gap.
  
  
• Long-Term Care Insurance
  Long-term care insurance (LTCI) pays for care if you become unable to care for yourself. LTCI is often purchased with the intention of maintaining independence, unburdening loved ones, and protecting assets. LTCI policies vary from one to the next, so it is crucial to seek the help of a knowledgeable professional if you are considering this type of insurance.
  

For Your Business:

• Health Insurance
  We offer a variety of plans from a number of nationally recognized carriers. We present a number of options and help you choose the one that best meets your needs. Available for groups with as few as two employees.
  
  
• Group Life Insurance
  Available for groups with as few as two employees. If employees pay a portion of the premium a minimum level of participation is required. Guaranteed issue is available.

• Group Short-Term Disability Insurance
  Available for groups with as few as two employees. If employees pay a portion of the premium a minimum level of participation is required. Guaranteed issue is available.

• Voluntary Short-Term Disability Insurance
  Available for groups with as few as five participating employees. Underwriting is minimal.
  
  
• Group Long-Term Disability Insurance
  Available for groups with as few as two employees. If employees pay a portion of the premium a minimum level of participation is required. Guaranteed issue is available.
  
  
• Group Long-Term Care Insurance
  Premiums can be paid by the employer, employees, or both. Employees have the option to purchase additional insurance. Many providers offer premium discounts when purchased as a group. Often providers extend these discounts to family members and extended family members of the employee receiving the benefit. Insurance policies are portable if employees terminate employment.