Our agents are trained professionals who can help you identify your financial needs and then determine which financial and insurance products can best help you meet your objectives. Some of the products we often use to serve the needs of our clients include:
Life Insurance
Many people think that life insurance is only for people with families. While it’s true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession, or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out—or for someone who's starting over.
Whole Life
Term Life
Universal Life**
Survivorship Life
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments. Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement. Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to - even for the rest of your life*. Some of the different types of annuities are:
*Guarantees are dependent upon the claims paying ability of the issuing insurer.
Fixed Interest Deferred Annuities
Lifetime Income Annuities
Disability and Extended Care Needs
To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.
Retirement Income
Preparing for retirement is easier with the help of our guaranteed# lifetime income annuity products. You can select an immediate annuity1 that pays income right away, or a tax-deferred fixed annuity that allows you to set aside money until you need it. Either way, you will be assured a steady, dependable source of income for life.
Investments~
We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.
Other Products
We have established relationships with other carriers, and can supply you with information on disability income insurance as well as individual and group health insurance products.2 If we don't offer it, chances are we can assist you.