Life Insurance and Financial Services
Term Insurance
If you have a family and want to protect their future, consider a no frills Annual Renewable Term Policy. This policy offers:
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Business Owners - a term policy can be used for:
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Collateral for loans
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Protection in the event of an owner’s death
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Protection in the event of a key employees death
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Whole Life/Universal Life
Provides a death benefit while building up "cash value" and savings at guaranteed rates of interest.
How about your Family's Protection when the Breadwinner is injured?
- Disability Insurance - Protects against disabling accidents or sudden death involving one or both of a family’s major providers making it difficult or impossible for surviving members to meet monthly mortgage payments and other financial obligations.
- We are able to provide policies to help cover mortgage payments for as long as you are disabled due to accident or sickness. Special low cost mortgage insurance is also available to help pay off the mortgage in the event of the death of the major breadwinner.
Are you concerned with living too long?
- Long
Term Care Insurance
Is the help you would need if you were unable to take care of yourself. People who need long term care because of a physical or cognitive impairment require help with the basic activities of daily living such as getting in and out of bed, bathing, dressing, eating, and toileting. Although often associated with nursing homes and in community settings.
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Nearly half of all people over age 65 will spend some time in a nursing home
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For every person in a nursing home, there are five needing similar care at home or in a community
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The average cost of a year in a nursing home is $36,000 and can reach $60,000 in major cities
