Health and Life Insurance Policies

Illness and injury strike without warning. Who will pay the doctors, hospital, ambulance, drug store, and all of the people that care for you and your family? Even a brief hospital stay can cost thousands of dollars.

We offer all types of plans and all varieties of deductibles and copay. Call or Email us to find out the latest coverages available.

Medical Insurance

For the businessman, groups down to 2 people can obtain a program rivaling large groups. Life insurance, short and long term disability income, and all sorts of deductibles and features are available to you for your group. Call us with your census of workers, and we can design a plan for you.

MEDICARE is a complicated area for seniors. If you’re a Medicare recipient, you need a supplement from some source. The Part A deductible increases each year. Part B also carries a $100 annual deductible. You are responsible for the 20% under Part B that Medicare does not cover. We have competitive products that will take this worry off of your shoulders.

Disability Income

If you owned the goose that laid the golden egg, would you insure the goose or the eggs? YOU are that goose bringing home that paycheck. You insure your home, auto, collectibles, boat, but not your paycheck. Where will your money come from if you can’t work due to an illness or accident?

Disability income is one of the most important coverages for you and your family. We will give you the money to keep the house going, pay the bills, put food on the table, and allow you the time to get well without the burden of going back to work too soon. Statistics show that people with disability income insurance recover from illness and accident faster, because we give them the time that they need.

Life Insurance

Who will take care of your family and obligations when you die? Where will your funeral expense money come from? Who will make up for your contributions to a church or charity when they stop due to your death? How will your key employee be able to buy your business from your family without financial hardship?

Life insurance is the answer to these and many other financial issues. It is still one of the best bargains in insurance. We have a wide variety of companies to choose from. If you have had health problems that may cause your qualification for insurance to be more difficult, we have the markets and experience to get you the best offer. Don’t believe that answering a questionnaire on the Internet will yield the lowest rate. The fact is, there is still no substitute for discussion by an experienced agent with you and the insurance company underwriter. We can help you decide on the right type of life insurance policy and make important financial plans for your situation.

Retirement Planning

With the uncertainty surrounding the future of Social Security, especially as it applies to the “Baby Boomer” generation, it is very important for everyone to spend some time in planning a retirement strategy.

Individuals have a choice of traditional or Roth IRA programs. The traditional plans have a deductible contribution with a taxable retirement benefit. The Roth IRA has a contribution made with after-tax dollars, but the benefits at retirement may be greater as they are not taxed. There is no universal answer on the best choice. Each must make a decision based on your circumstances. We stand ready to counsel you on the advantages and disadvantages of each plan for you.

Pension Plans for Business

Competition for qualified employees has become a major concern for companies, large and small. Benefit programs may mean the difference between hiring or keeping a good employee and losing them to the competition.

The 401K plan has become very popular for corporate retirement benefits, but it is not for every company. There are several other options that can be explored for the small business, such as the Simple IRA. Simple IRAs have the general appearance of the 401K without the high administrative costs.