Life Insurance

Individual Life Insurance

Do you have a mortgage, own a business, have car payments, or credit card debt? Are you married, have young children or children about to start college? Many of us don’t understand the importance of protecting our family’s future. We can show you how to buy affordable life insurance, which will protect the future of your family as well as your business.

 

Group Life Insurance

Group life, long-term disability (LTD) and short-term disability (STD) plans are available on an employer pay or voluntary basis. The employer generally selects the parameters of the plan such as waiting periods, benefit amounts, and benefit periods. These programs provide benefits for loss of earnings due to death or a disabling injury or sickness. Often times LTD and STD plans can be blended together to allow the employer to optimize premium and benefits. Certain limits apply to guaranteed issue amounts and benefit percentages of income.

 

We provide our clients access to some of the top rated life insurance companies in the market place today.

 

In addition to getting you competitive quotes, we also have the ability to assist you in getting coverage for those cases that are hard to place. Since we represent many companies, we can shop the market to find you the most competitive rates.