Serving your Insurance, Investment &
Retirement Planning Needs for over 40 years.
Insurance
Life Insurance
Protect your loved ones and financial assets from unforeseen circumstances.
Life Insurance coverage can either be permanent (For a lifetime) or for a set term of years (10, 20, 30).
Permanent Life Insurance:
Permanent Life Insurance can protect you, your assets, your business and your loved ones for the span of your entire life. The most popular form of permanent insurance is called Universal Life Insurance. A Universal Life Insurance policy allows you to have the necessary insurance coverage at an affordable price with an added tax sheltered investment/savings option. This allows for you to put extra savings into your policy which can essentially cover the insurance costs and/or be invested into various funds to earn tax-deferred investment income.
Term Life Insurance:
Term Life Insurance can protect you, your assets, your business and your loved ones for duration of a chosen term. The term options available are 10 year, 20 year or 30 year. The monthly premium stays the same and is determined by the duration of the stated term. For example, 10 year term will be cheaper then 20 year term because it only lasts for 10 years. Term insurance can also be combined using a layered term strategy. This is arranged by combining everything into one policy with a mix of 10 year term, 20 year term for short term needs such as a mortgage or business financing and an added base of life time coverage (Universal Life) for estate needs. This layering strategy can help bring the premium down as your liabilities/debts are slowly paid off and your children grow up and move out of the house.
Disability Insurance
Protect yourself from unforeseen accidents and sickness and preserve your income.
Disability Insurance is extremely important for individuals who do not have coverage through an employer benefits plan. Disability Insurance provides you with a portion (Up to 70%) of your income. Short term disability coverage may provide income protection in case of an accident or sickness. Short term coverage can be anywhere from 120 days up to two years and long term disability can cover you up to age 65 or 70. For a small monthly premium this is essential for people that are the primary income earners in their family or business partners.
Critical Illness insurance
Protect yourself and your loved ones from untimely Illnesses like Cancer.
Critical Illness insurance helps protect you financially from costs incurred (lost income, medical bills) from one of 25 critical illnesses such as cancer, stroke, heart attack and coronary artery bypass surgery etc. What is most imporant is having the proper coverage to protect you when you need it most. Critical Illness coverage pays a lump sum of money (tax free) such as $50,000 or $100,000 as a living benefit 30 days after the diginaosis of a covered condition.. Having these costs covered can you help you focus on combating the illness and spending time with your loved ones.