Life, Disability and Long-Term Care Policies

Life insurance can help you protect the financial security of your family in the event of your death.

Whole Life Insurance

Whole life insurance offers a death benefit and also accumulates cash value, tax deferred at fixed interest rates. Whole life insurance policies generally have a fixed annual premium that does not rise over the duration of the policy.

Universal Life Insurance

Universal life insurance combines a death benefit with a savings element, which accumulates, tax deferred, at current interest rates. Under a universal life insurance policy, the policyholder can increase or decrease his or her coverage, with limitations, without purchasing a new policy.

Indexed Life Insurance

These policies offer insurance protection while allowing the policy owner to build case value by investing in the equity markets by using indexed funds offered by the carrier. What makes these policies unique, is that the indexed options offer downside market protection to your cash values.

Variable Universal Life Insurance

Variable Universal Life Insurance combines a death benefit with an investment element by utilizing professionally managed sub accounts that can be self-directed to meet your individual risk profile that accumulates, tax deferred.

Corporate Owned Life “COLI” Insurance

Corporate Owned Life Insurance was originally designed by Insurance Carriers for the Fortune 500 to fund Executive Benefit Plans. It’s now available on an individually owned or small group basis. These products have been designed as a tax strategy to accumulate cash value as a supplemental retirement plan, SERP plans, deferred compensation, and employee retention plans.

Premium Financing

Premium financing is borrowing money to pay life insurance premiums. High-net-worth individuals and companies use this strategy to obtain large amounts of life insurance with a minimal upfront expense. It is a means to retain capital by only paying interest on a loan that pays premiums instead of paying the actual premiums.

Term Insurance

Term Life Insurance provides a death benefit when the insured dies. Term insurance does not accumulate cash value and ends after a certain number of years or at a certain age.

Disability Insurance

Disability insurance can provide income for you and your family when you’re unable to work because of a short-term or long-term disability.

Long-Term Care Insurance

Long-Term Care Insurance can help you pay for long-term healthcare expenses while preserving your retirement savings and other assets from the high costs of long-term care.

Group Supplemental Insurance

Supplemental insurance provides an additional level of financial protection for your employees and their families in the event of a serious accident or illness.

Protect your future.