Insurance is a complicated area and the right guidance is important. By assisting you through the maze of options, we offer comprehensive individual services for life insurance, disability income, long-term care as well as group life insurance, medical, disability insurance, and group long-term care. We work with several actuaries and insurance brokers to get you a competitive product at the right price and level of coverage. Rather than selling insurance, we act as your consumer advocate to buy the right policies.
When most people think of life insurance, the first question that usually comes to mind is, “How much do I need?” The death benefit* of the policy is only part of the picture. There are waivers and riders and eligibility and waiting periods and on and on.
Need a life insurance policy? Let us educate you about term life insurance, as well as your cash value life insurance options: whole life, variable, or universal life. (We told you it was complicated…) There are special types of life insurance to address special needs.
Here are some simple questions and answers on this subject that are sure to get you thinking.
WHAT WE DO
* Guarantees and benefits provided by life insurance products are subject to the claims-paying ability of the issuing insurance company