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Insurance is a contract to help provide compensation for a specific loss. You pay a premium to help protect yourself and others against financial uncertainties.
Life insurance can provide cash when the insured dies. This cash can help to pay final expenses as well as give the bereaved some money and time to get through that period of time when they are adjusting to life without their loved one.
Disability insurance can provide a benefit when the insured become unable to work in their occupation. Unlike Workman's Compensation, disability insurance covers the insured regardless of the circumstances of their disability.
Health Insurance helps pay the costs of getting healthy and staying healthy.
Dental and Vision benefits help keep us up-to-date on oral health and eye health.
Medicare Supplemental Insurance
Dental / Vision
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.