Insurance Planning
Insurance provides financial security we hope never to need. We help protect your lifestyle by reviewing personal and business coverage and recommending only essential policies.
Insurance Planning
As independent insurance agents, we have access to most insurers in the United States. We start with the company’s financial stability and then focus on value and price.
Our areas of expertise include
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Term and cash value life insurance
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Long Term Care
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Annuities
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Disability Insurance
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Key Person and Buy/Sell agreements for business owners
Insurance Planning FAQ’s
Do I need life insurance if I already have it through my employer?
In most cases, yes. Employer-provided coverage is typically limited (often 1-2x your salary) and may not be portable if you change jobs. Having an individual policy ensures adequate coverage based on your actual needs, continuity regardless of employment changes and greater control over policy structure and beneficiaries.
When should I get life insurance?
A need for life insurance typically occurs when you have someone that depends on you financially. This includes a spouse/significant other, children and anyone else relying on your income. It also occurs when you take on significant debt such as a mortgage to ensure that obligation does not become a burden on your family.
How much does life insurance cost?
The younger and healthier you are, the cheaper your policy will be. We are an independent firm which allows us to shop out rates across almost every top carrier in the country to ensure our clients receive competitive pricing with reputable companies. There is both term and cash value which can be whole life, universal life or variable life. Which one(s) are best depends on how much you need, how long you’ll need it and your budget.
