Life and Disability Insurances:

• Term Life Insurance: You select your term (typically 20 years); once the term expires, you have the option to convert to a whole- life policy or to drop the policy altogether with no further obligations on your part. Our wide access to market means that we can tailor your policy to feature endorsements like the Long-Term Care rider; the Return of Premium rider and more

• Whole Life Insurance: For the individual who is looking for a more robust plan, this type of policy can be a highly beneficial option for the right candidate

• Disability/ Income Replacement: 1 in 4 Americans experience a disabling event. Plan ahead by perusing our bouquet of options that offer base partial/ total disability; return of premium; guaranteed issue; own- occupation and so much more designed to keep you ahead of having to resort to depleting your savings just to pay bills.

• Long-Term Care: One of the most oft-cited worries about growing old is that you do not want to be a burden on your family in your twilight years. Plan ahead with a policy that provides for the needs of old age that aren’t covered under medical or social program insurances

If you care for more people than just yourself, you have a responsibility to acknowledge that your role is to care for those loved ones during and after your life. Life insurance is the simplest, most effective way to ensure that you aren’t abandoning those that you love if the worst should happen to you. Single parenting or orphaned life can be an enormously difficult event to cope with per se. Alleviate worries about money by perusing the most appropriate plan for your family’s needs; you’ll be relieved you did.