Insuring Your Income


Life Insurance

Long-Term Care (LTC) Insurance


Fixed Annuities

Insure against living too long – outliving your resources

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


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

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.