Insuring Your Income

Life Insurance

Term Life

Universal Life

Whole Life

Accelerated Benefits

Final Expense

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Long-Term Care (LTC) Insurance

Standard LTC

Long-term care insurance pays for an individual who needs assistance with activities of daily living (ADL), but not necessarily needs a registered nurse. This includes at-home care, senior day care, assisted living facility or nursing home facility. A doctor must certify that the individual needs assistance with two or more of the six ADL or have a cognitive impairment. A portion of a long term care insurance policy premium may be tax-deductible.

Long Term Care Partnership plans & State Reciprocity

Hybrid LTC Plans

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Fixed Annuities

Insure against living too long – outliving your resources

Immediate Annuity

Deferred Annuity

Equity Indexed Fixed Annuities

We are NOT securities licensed. We do not give financial advice for the stock market nor do we sell variable annuities.

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Disability

These are policies that replace a portion of a person’s income if they are unable to work for a specific amount of time. Generally, the government allows 65% of your income to be replaced by disability payments

Short Term Disability

Short term disability may have a waiting period of 0 days to two weeks before payment begin for illness or for accident that causes the employee to be unable to do their work. Most short term disability policies pay for a maximum of 13 weeks but some pay for as long as six months. Disability policies are usually group policies, but individual policies are available. Disability policies only cover the policy holder’s paycheck, not the family’s income.

Long Term Disability

Disability benefits may be taxed income or may be tax-free depending on the premiums. If the policyholder pays tax on the premium amounts, then the income is generally tax-free.

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