Insurance

Here are some products I am licensed to provide:

Life Insurance (Term, Universal Life, Whole Life)

Life insurance is a form of insurance that pays a monetary proceeds to the insured beneficiary upon death so long as the premium payments are kept current. Life insurance is often used as a means to protect family members in the case the primary wage earner of the family dies. The money is paid to the insured beneficiaries to help them in recovery during the tragic loss time.

Not sure how much insurance you need? Click here and use our free calculator .

Term Life Insurance

A Short Term Solution. Term life insurance solves many financial security problems, particularly when needs are temporary and financial resources are limited. It offers:

  • Basic Financial protection
  • Affordable premiums
  • Temporary life insurance coverage
  • Conversion option

Permanent Life Insurance

Provides Lifelong Protection. As your needs change, it's important to change your insurance coverage accordingly. Often, that means converting your coverage to permanent insurance (Whole Life or Universal Life) - level premium coverage that provides lifelong protection. It can offer:

  • Safety of principal
  • Tax-deferred growth, at competitive interest rates
  • Cash accumulation to meet specific objectives such as emergencies, business opportunities, education expenses, mortgage repayment and supplemental retirement income
  • Lifetime protection, at level, affordable premiums
  • Flexibility to change the plan
  • Easy access to your money through a policy loan or withdrawal

Disability Income Insurance

Disability insurance is a form of insurance that pays out a percentage of your current wages in the event you become disabled. Disability can occur due to accident (either at work or non-work) or due to debilitating illness. It is important to thoroughly understand the various disability policies before purchasing one because often times the cheapest policy can also be the most restrictive in terms of qualifying for the benefits. I can help you in choosing the best disability policy that is right for you.

Mortgage Protection Insurance

Mortgage protection insurance provides mortgage payment protection in the event of death or disability. These types of policies can protect a spouse from assuming the full weight of a mortgage payment in such cases and help to secure a family from losing their home. Mortgage protection insurance is not for everyone. I can help you decide which type of insurance is best for you and your family to insurance for mortgage payment protection.

Long-Term Care Insurance

Long-term care insurance provides monetary benefits to assist in medical and custodial services. These services can range from at home care to provide assistance with personal chores all the way to providing assistance in care facilities such as nursing homes, assisted living homes and hospice centers. The degree of care and services various according to need. Long-term care assistance is crucial to protecting the assets of family members because medicare assistance will not kick in until a family exhausts their entire savings. Long-term care insurance helps to protect against the spiraling increase in health care costs while providing valued care assistance to family members.

Medicare Supplement Insurance

Also known as “Medigap“ provides additional coverage beyond Original Medicare. Helps reduce or eliminate money paid out of pocket for care received. Standarized plans. Only offered through private insurance companies.

Health & Dental Insurance

Individual, Family, and Group health insurance plans providing long or short term protection and comprehensive medical coverage for you individually, your family, or group coverage for your business. Are you self employed, an entrepreneur, a student, unemployed or working part time? Then we have a plan that’s just right for you.

If you would like to know more about any of these types of insurance plans, please contact me and I would be happy to assist you in selecting which type of insurance most suits your individual needs.

imageA