My Services

• Term Insurance

  A class of life insurance intended to provide a death benefit for a limited period of time (i.e. 10, 15, 20, or 30 years).  Term insurance is best suited for individuals and businesses that have a temporary life insurance need such as covering a loan, mortgage or a key person/breadwinner.  Term insurance typically has the following benefits:… [Read More]

• Permanent Insurance

  A type of life insurance designed to be in force for the life of the insured and includes traditional universal life, indexed universal life, no-lapse guaranteed universal life, whole life, and variable universal and whole life. It usually has higher initial premiums than term life. Permanent insurance typically has the following benefits:… [Read More]

• Estate & Retirement Analysis

  An analysis of all estate assets and liabilities coupled with retirement income calculations from income producing assets (or those assets that can be converted to income producing) thus allowing the client to see potential limits and opportunities at retirement as well as estate planning needs. An estate/retirement analysis has the following benefits:… [Read More]

• Business Succession Planning

  An integrated approach of business interest transition from current ownership to related parties, key employees, or outside parties which takes retirement goals and needs as well as estate plan objectives into consideration. The following components are part of a business succession plan:… [Read More]

• Life Insurance

  A Potential Retirement Income Vehicle – Life insurance death proceeds as well as cash values enjoy unique income tax treatment. Here are some reasons to consider life insurance as part of a retirement income strategy:… [Read More]

• In-force Life Insurance Policy Review

  Life insurance policies should be reviewed periodically to ensure competitive pricing and proper application. Due to reductions in mortality costs and market pressure, life insurance policies are less expensive than ever. Here are some reasons to have your life insurance policy reviewed:… [Read More]

• Key Executive Benefit Plans

  Once you have hired and trained a key employee, it is important to retain them. There are many benefits available to the company as well as key employees when implementing a plan. The benefits are as follows:… [Read More]