Competition = Lower Costs

The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.

Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance or 'ObamaCare', you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.

Terminal Illness

The Accelerated Benefits Rider for Terminal Illness accelerates the death benefit, on a discounted basis, for a terminal illness.An insured has a terminal illness if they have been diagnosed and are suffering from a terminal illness that will result in death within 24 months (typically) of certification of the terminal illness by a physician.There is no waiting period for benefits paid under the Terminal Illness Rider.

Chronic Illness

The Accelerated Benefits Rider for Chronic Illness accelerates the death benefit, on a discounted basis, for a Chronic Illness.

Critical Illness

The Accelerated Benefits Rider for Critical Illness accelerates the death benefit, on a discounted basis for a Critical Illness.An insured qualifies under the Critical Illness for: • Diagnosis of ALS (Lou Gehrig’s disease)• Blindness• Diagnosed with cancer• Diagnosis of End stage renal failure (kidney failure) • Heart attack• Major organ transplant• Stroke

Critical Injury

The Accelerated Benefits Rider for Critical Injury accelerates the death benefit, on a discounted basis, for a Critical Injury.An insured qualifies under the Critical Injury rider for:ComaParalysisSevere burns Traumatic brain injuryYour family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able.

Why Should I Call This Agency for Insurance?

Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.

Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.

We promise to focus our attention on your benefit exclusively.

Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.