Archives

Why a Safe Money Alternative? A Fixed Index Annuity (FIA) is a fixed annuity that can earn interest that is linked to the performance of a stock market index (S&P500 Dow Jones). FIA’s offer safety of principal, a guaranteed minimum return, and the ability to participate in market gains through an indexed link interest rate. …

If you are a business owner, you have the added responsibility of your business to worry about on top of your family. The following information can help you start thinking about possible solutions to your needs and help you prepare to consult with us. Helping Your Business Grow Don’t have a Harvard MBA? You’re not …

CLICK ON RATES TO ENLARGE If you would like to apply for coverage or get a customized quote from one of our representatives, simply fill out the form below and we will get back to you within 24 hours.

Relief to seniors facing high prescription drug costs is one of the first changes to come under the new health care overhaul. But ultimately that won’t offset the relentless increase in retirees’ medical expenses. A couple retiring this year will need a quarter of a million dollars, on average, to cover medical expenses in retirement, …

A Twist On an Age-Old Argument It’s been debated for generations. Term life insurance versus permanent life insurance? Which one is “better”? In recent years a new concept has crept into the debate: rather than choosing a permanent life insurance policy, you purchase a lower cost term insurance plan and invest the difference. This approach …

You probably understand the important role that life insurance can play in helping provide for your family in the event of an untimely death. But did you know that a 40-year-old man is three times more likely to suffer a disability than to die? The risk of disability for a 40-year-old woman is six times …

What’s your most important asset? Your home? Other property? Savings? For most Americans, one particular asset is more important than any of these. Everything most people own is dependent on their ability to earn an income. It’s that steady paycheck that allows you to hold on to what you have. If you became unable to …

Most long-term care policies will pay a preset amount of an insured’s long-term care costs when the insured is certified by a licensed health care practitioner as a “chronically ill individual.” To be certified as a chronically ill individual the insured must either (1) require substantial supervision to protect himself or herself from threats to …

At least 32 million U.S. households own insurance policies that are not appropriate for them, according to a recent survey.1 This doesn’t necessarily mean that people routinely buy the wrong insurance. It’s more likely that they buy good coverage but don’t update their policies to reflect changes in their lives. Some obvious life changes that …