Life Insurance
It provides cash at the death of the insured. The contract may also provide for the cash accumulation during the life of the insured.
- Term Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
Annuities
Tax advantage insurance products that provides a guaranteed monthly income for a fixed term or until death. It's an important component in many wealth management plans. Annuities can help individuals provide for their retirement years.
- Fixed Annuities
- Variable Annuities
- Equity Index Annuity
The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company.
Disability
Disability income insurance can help you pay your bills by replacing a portion of your income. It can help you maintain your current lifestyle and help you and your family from going into serious debt.
Long Term Care
Long Term Care insurance is a way to help fund services such as a nursing home stay, assisted living, home health aide, and homemaker services in the event you or a loved one develops a prolonged physical illness, disability or cognitive impairment.
Risk Management Initiatives
Critical Risk Management Initiatives for Business Owners
Taking the appropriate steps to mitigate risk is just as critical to your financial future as the many things you do everyday to generate income and create savings.
Three critical risk management initiatives may be able to help you preserve and protect your current income stream, the value of your business and the financial security of your family. Specifically, selecting the appropriate disability, long-term care and life insurance coverage should help you offset serious threats to your wealth.