Coverage for every stage of life
Your needs change as your life does. As an independent agency, we work with many insurance companies, so we can compare options and find the right fit for you, not for one carrier. Here’s what we offer, in plain English.
Term Life Insurance
Affordable protection for a set number of years, usually while your kids are growing up or your mortgage is being paid off. If you pass away during that time, your family receives a tax-free payment to cover the bills and keep life moving. It’s often the best starting point for young families.
Whole Life Insurance
Coverage that lasts your whole life, with a premium that never goes up. It builds cash value over time, and it’s a simple way to make sure final costs and debts never fall on your family.
Final Expense Insurance
A smaller policy made to cover funeral and burial costs. There’s no medical exam, and it usually pays out quickly, so your family can focus on each other instead of the bills.
Disability Insurance
If an illness or injury keeps you from working, disability insurance replaces part of your paycheck. Short-term plans cover a few weeks or months, and long-term plans cover longer recoveries.
Long-Term Care Insurance
Helps pay for care if you can no longer handle everyday tasks like bathing, dressing or eating on your own. You choose where you get care: at home, in assisted living, or in a nursing facility. It also helps protect your savings and your home, which Medicaid can try to recover after paying for care.
Health Insurance
Coverage for doctor visits, hospital stays and surgery, for individuals and for small businesses with 1 to 50 employees. We also offer dental and vision plans.
Medicare and Medicare Supplements
Turning 65, or eligible through a disability? Medicare can be confusing. We’ll walk you through your choices, and help you pick a Medicare Supplement plan that covers the deductibles and out-of-pocket costs Medicare doesn’t.
Annuities
You put money in now, and the annuity pays you a steady income later, for a set period or for the rest of your life. Your money grows tax-deferred until you take it out. There are many types, so the right advice matters. We’ll help you find the one that suits your retirement.
Business Insurance
Protect the business you’ve built. Key person insurance softens the blow if an owner or vital employee dies or becomes disabled, and buy-sell coverage gives the remaining owners the funds to keep the business going.
Not sure what you need? That’s what we’re here for. Let’s talk it through.