As independent advisors, we are successful and well-respected professionals within the life insurance community. We treat our client’s insurance policies like their other financial investments. Their policies are monitored and reviewed to help assist the client in understanding their protections, and how each fits into their overall planning needs.
Our policy review process provides tremendous insight and information, allowing clients to make better informed decisions.
We know how to combine insurance, financial, and estate tax strategies, and how powerful they can be for financial life planning purposes.
Since we are independent, we are not beholden to any single companies’ contract or service offerings.
A partial list of the insurance offerings we provide is featured below:
Term Life
- Guaranteed Level Premium of 10 – 30 Years
- Term Life policies convertible to permanent life policies = flexibility in planning
*All guarantees are based on the claims paying ability of the issuing insurance company.
Permanent Life Policies
- Universal Life – Guaranteed Universal Life, Indexed Universal Life, Variable Universal Life
- Whole Life – Level Pay Premiums for Life, Modified Step-Up Premiums
*All guarantees are based on the claims paying ability of the issuing insurance company
Disability & Long-Term Care Insurance
- Traditional LTCi
- Hybrid: Life Insurance with an LTCi Rider
