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TYPES OF POLICIES
Term Life Insurance
Term insurance provides affordable coverage for a specific period, offering financial protection to your loved ones if you become disabled or pass away during that time.
Permanent Life Insurance
Permanent life insurance, provides lifelong coverage and also includes a "cash value" component, which can accumulate over time to serve as a source of loans or withdrawals.
Mortgage Protection
Mortgage protection provides essential security by paying off your mortgage if you pass away or become disabled, ensuring peace of mind for you and your loved ones.
Disability Insurance
Disability insurance offers comprehensive income protection by replacing a portion of your lost earnings if you experience a disabling injury or illness that prevents you from working.
Long Term Care
Long-term care encompasses a range of services and support for individuals needing assistance with daily activities and medical care over an extended period due to chronic illness, disability, or cognitive impairment.
Child & College Planning
Child and College Planning is a financial plan that helps parents save and invest funds to cover future education expenses. This secures their child’s educational goals and alleviate the financial burden associated with college costs.
TYPES OF POLICIES
Pension Maximization
Optimizes retirement income, investments, and tax advantages, enabling individuals to make the most of their retirement savings and achieve their desired lifestyle after retiring.
Business & Group
Specifically tailored for businesses and organizations, offering a range of benefits such as health insurance, life insurance, disability coverage, and liability protection to employees or members collectively, providing financial security and risk mitigation for both the organization and its members.
Financial Advisory
Expert guidance on investments, retirement planning, taxes, estate planning, and overall financial management, helping individuals achieve their financial goals and secure their financial future.
WHAT WE DO AS A TEAM:
Independent Insurance Agency
An independent insurance broker gives you access to a wide range of insurance policies from multiple providers. They use their expertise to help you find the most suitable coverage and negotiate the best rates, acting in your best interest, not the insurance companies'.
Captive Insurance Agency
A captive agency ties you to one single insurance company, limiting your options for coverage and competitive pricing. Their agents don't have the flexibility to explore or negotiate better deals outside their company's portfolio. Essentially, their hands are tied, and so could be yours.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
How do I Know What Policy I Need?
Everyones circumstances are different, that is why we are here to help! In order for us to figure out what policy would be the best for you, Click “Contact Us” and fill out the form so we help you navigate through this process.
Do We Work for an Insurance Company?
The answer, is No. We are an Independent Agency that works on behalf of the client to provide the information and guidance for them to make an educated decision on what is available to them.
What If I already have something in place?
Thats great that you have something in place! However if you have questions specifically about what it is and how it works, we can have an expert reach out to review your policy with you. Click “Contact Us”.
Do you store/sell My Data?
Absolutely Not. The information that you provide is so we can have a better understanding of who you are and what you may need. This allows us to prepare illustrations and information that is tailored to you, before we contact you. You have the option to leave some Personal Information blank if you are not comfortable with sharing it.