Insurance Services

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Life Insurance is the foundation of any financial plan but it can also be confusing.  How much to buy, How Long should it last, What type of coverage?  These are all questions we can help you answer through getting to know you and what matters most to you.

The best way to think of disability insurance is as "paycheck protection".  Many companies offer disability insurance through work and people assume that is enough.  However there are things to consider such as:

    - What if you change jobs?

    - Is there a maximum benefit through work where you would need more coverage?

    - Is the benefit taxable or tax-free?

These are all questions we can help you with to decide if individual coverage is needed

Long Term Care Insurance is probably one of the most over-looked aspect of peoples' insurance planning needs.  However, with increasing demands on Medicaid as well as ever increasing cost of care, this planning is integral to every plan, particularly if you are over 50.  There are many new options on how to pay for care and we can help you analyze all options available to put the best plan in place.

Annuities are actually the opposite of life insurance since they protect you against living too long.  They have gotten a bad wrap in the last few years in the press. However, the average American retiring today has less than $100,000 in savings and annuities can be an important tool for guaranteeing that you will never run out of money.  Even for people with more savings, annuities can make sense in many situations. We concentrate on getting to know your specific situation and evaluating the pros and cons of annuities so you can decide if they are the right fit.