LIFE INSURANCE  (For Individuals and Groups)

Life Insurance is an excellent way to protect your loved ones and your business by developing plans to care for their special needs or your business continuation.

Term Life Insurance - Very low initial cost.  Great way to cover specific and short term needs.  Can be converted to permanent insurance at a later date. Excellent product for basic group life programs and young families just starting out. Excellent way protection for a specific or desired period of time with lowest cost.

Universal Life/Permanent Life Insurance - Provides life time protection and planning with flexible premiums and coverage amounts.  Protection with cash value accumulation options and flexible premiums with policy guarantees.

Key Benefits

Protection:    Variable Face Amounts to cover immediate and future needs

Premiums:    Guaranteed Flexible Premiums

Savings:        Cash Value Accumulation for future needs or expenditures

Short Term Disability  Premiums reflect elimination period and benefits selected. Provides protection and cash flow for those times in which you are unable to work. Covers both on & off the job injuries.

Long Term Disability  Can provide up to two-thirds of yearly income with variable benefit and elimination periods.  Coverage can be purchased in incremental amounts.

Supplemental Insurance (Worksite) Plans - Voluntary plans which are employee paid which may include:

Accident Insurance  Provides income protection ($'s) paid directly to you in the event you have an accidental injury.

Critical Illness  Face amounts ranging from $5,000 to $100,000 can be selected as benefit payment on initial diagnosis of stroke,     hearth attack, major organ transplant, coronary bypass surgery or cancer, among others.

Cancer Insurance  Helps pay out-of-pocket expenses not covered under medical plans. Coverage includes initial diagnosis, treatment, inpatient care, transportation and lodging, and experimental treatment. Most plans include screening test.

Term Life Insurance  Cost varies with age of applicant and amount of coverage.

Long Term Care Insurance  Provides a specified daily benefit to cover the cost of long term care needs in an authorized facility. Long Term Care is an important need for people with chronic disabilities.  It includes custodial care - assistance with activities of daily life like eating, bathing and getting dressed whether this is provided within the confines of a skilled care facility, assisted living facility or your own home.

401(k) Employee Savings Plans  Convenient way for Employers to offer their employees a worksite tax free savings plans in which employees may defer on a pre-tax basis a portion of their annual wages/income into their own 401(k) savings account. Multiple fund opportunities are offered to fit the risk profile of each employee.  Employers do not have to share in contributions to the plan but are certainly able to do so.  Employers can also designate the vesting periods for each plan.