You’re probably already covered with health insurance, either from your employer or on your own. But did you know you have additional health coverage options that can improve or enhance your coverage? 

We can help to provide personalized advice and guidance to help you assess your health insurance needs, as well as identify products from industry-leading insurance carriers to help you protect them.

Many people think that their health insurance will cover any necessary surgery or procedure, no matter how large. However, your health insurance may not go as far as you think. Adding an extra layer of protection, Major Medical insurance is designed to cover accidents, unexpected health concerns and long hospital stays.

If you are 65 or older, or approaching 65, you’ve probably already given some thought to Medicare, but did you know you have many more options open to you than original Medicare alone? Medicare Advantage plans, supplementary coverage and prescription plans are available to help enhance your benefits. 

When you’re planning for your retirement, you want to feel confident that your retirement savings is working as hard as it can. Whether you are nearing retirement, or are years away, it’s important to explore all the options to make the most of your retirement income.

Ask yourself, are you:

• Saving and investing for the long term?
• Interested in adding to your retirement nest egg?
• Looking for tax-deferred earnings on your money?
• Planning your estate?

We can provide personalized advice and guidance to help you determine your goals, as well as identify products from best-in-class insurance carriers to help you achieve them.

An annuity is a type of insurance product that can provide tax-deferred growth for your retirement savings. Fixed annuities offer a set rate of return, while indexed annuities offer a crediting method tied to one or more indices.  Many annuity options are available from our carrier partners. We would be happy to help you explore all of your options.

Life insurance gives you the peace of mind of knowing that you can continue to provide for those who depend on you.  

• Term Life Insurance: The most basic type of life insurance, and typically the least expensive is Term Life Insurance, which is an attractive option for many young couples and individuals. Term Life covers you for a specific period of time (such as 15, 20 or 30 years) and pays a death benefit only if you die during the term. 

• Universal Life Insurance: Flexible and more long-term than term insurance, Universal Life lets you pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You can also pay premiums in advance and even skip payments in certain circumstances. Over time, you can increase or reduce the death benefit as your needs change.

• Whole Life Insurance: Designed to cover you through your entire lifetime, Whole Life builds cash value on a tax-deferred basis. The cash value can be accessed by the policy owner for emergencies, extra income, or college expenses, with any amount withdrawn and not repaid deducted from the policy's death benefit.

• ROP Life Insurance: “Return of Premium” Term Life Insurance costs more than a traditional Term Life policy, but offers you the ability to get your premiums paid back to you if you outlive your policy’s term.

How Much Life Insurance Do I Need?

Use this calculator to plan for the financial needs of your survivors. 

Believe it or not, one of the most valuable assets you have may not even be adequately protected — your ability to work and earn an income. 

This is especially important if you have dependents, for example, if you’re the breadwinner in your family. Your employer may offer disability coverage, but it may only pay about 60% of your salary. Figure in unexpected medical costs on top of your mortgage, utility or other bills, and you’re underwater in just a matter of months.

Disability Income Insurance protects your earned income. Depending on the amount and the kind you have, it may cover anything from paid sick leave, to long-term disability benefits.

Most companies provide their full-time employees with some form of Disability Income Insurance. However, if you are self-employed or not covered by your employer, it clearly makes sense to consider purchasing an individual plan or supplement.

We can help match you with a disability insurance or supplemental policy from one of our industry-leading insurance carriers, to make sure your income is well protected, no matter what.

How much disability income insurance coverage should you have? Use our calculator to determine how much you will need in the event you become disabled and are unable to earn your current level of income. And read more about disability income insurance here.

Studies show the average American life expectancy is now about 75 years for men, 84 for women, which means it’s likely that over half of Americans will spend part of their later years in some kind of long-term care facility — at a potential cost of hundreds of thousands of dollars a year.

Long-term care insurance provides valuable support and financial resources to help cover the cost of long-term care you might need. Thinking about long-term care insurance now can protect your assets, and give you control over where you receive care, and how you, or your family, pays for it.

We can help match you with long-term care insurance from one of our Industry-leading carriers, to make sure you face your future with confidence.

How much long-term care insurance do you need?  Use our calculator to determine your potential long-term care needs and how long your current assets might last. And read more about long-term care insurance here.

If you’re an employer, or a benefits manager, you understand how a good benefits program attracts and keeps good employees. But providing these benefits can eat into company profits, especially for businesses dealing with the challenges of this current economic environment.

Contact us to learn how you can help with providing benefits for your employees and your company.