Our Products

Life Insurance

Life Insurance for the individual or multi-life, fixed or variable, all have been carefully scrutinized to gather companies that offer excellent pricing and features at all ages. Unique product niches are carefully designed to provide the most competitive rates for each underwriting circumstance whether it be smokers, preferred smokers, nonsmokers, preferred nonsmokers, and substandard underwriting.

–       Term
–       Whole Life
–       Universal Life
–       Second-to-Die



Annuities are offered from carriers with the highest ratings available and designed with high current fixed interest rates and short surrender charges for both the qualified and non-qualified marketplace. The array of annuity products includes immediate or deferred, fixed as well as indexed.

–       Deferred Annuities
–       Single Premium Immediate Annuities


Long Term Care

Long-Term Care products are offered with the maximum in policy design and features. Plans include Home Health, Nursing Facility, or Comprehensive care with benefits such as guaranteed renewable for life, bed reservation, no prior hospitalization required, ambulance service, return of premium rider, inflation guard rider, guaranteed purchase option rider and spousal discounts.

–       Home Health
–       Nursing Facility
–       Comprehensive


Disability Insurance

–      Business Overhead Expense
–      Indivdual