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term life
Term Life 

Term Life is a simple way to protect one's family in the event of death. Typically less expensive,  you can choice plans between five and forty year terms. Some policies even offer a return of premium. 

Final Expense

Generally small faced whole life, plans are simplified issue or guaranteed issue. The policy will elimate the out of pocket expense when one passes away. 

Universal/Whole Life

Whole Life and Universal Life  are types of permanent t life insurance. It is primarily known for a  guaranteed death benefit,  cash value and can also serve as a tax-efficient retirement tool. 

Employee Benefits
Mortgage Protection

One has many Medicare insurance options to choose from. We can help take away the confusion and walk with you step by step on this journey.

A vibriant employee benefits package is crucial in attracting and retaining talented employees. Today's organizations need creative strategies in an ever changing work enviorment. We focus on small businesses with up to 200 employees.

Mortgage Protection is a type of insurance policy that helps your family make your monthly mortgage payments if the policyholder/ mortgage borrower dies. Some policies will offer coverage if you lose your job or become disabled.

Long term annuite
Long -Term Care

Long-term care (LTC) insurance is coverage that provides nursing-home care, home health care, and personal or adult daycare for individuals with a chronic or disabling condition that needs constant supervision.

An annuity is a contract between you and an insurance company in which you make a lump-sum payment or series of payments and, in return, receive regular disbursements, beginning either immediately or at some point in the future. There are many different types of annuities and we make sure you are educated to help pick the one that fits your needs the most. 

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