Plans That Adapt As Your Life Unfolds

We offer a full array of Individual and Family insurance plans and Financial services. And, we leverage decades of experience to offer access to over 70 providers in order to find policies and plans that meet your needs. This allows us to help you with independent and unbiased comparisons of policies and quotes - without any sales pressure. We find the plans that deliver the protection you need that save you money.

We are committed to service and our community. We start every day with the goal of helping our clients find the best insurance possible. Choosing proper coverage isn’t always easy, especially when you are presented with so many different options. That's why we gain detailed insight into your needs and your coverage goals, before gathering quotes for policies that provide you with the protection you require. 

Disability Insurance

Disability Insurance is here to help you replace your income in the event that you can't work. How long can you go without a paycheck before it would  impact your ability to pay monthly bills? Although there are two basic types of disability insurance - Long Term and Short Term Disability - there are a lot of options. Choosing proper coverage isn’t always easy. We make a career out of assessing your insurance needs and matching them with the insurance carrier best equipped to meet those needs - at a price you can afford. It is about preparing for the future so that you can continue to provide for yourself and your family.

Life Insurance

Life Insurance provides a vital death benefit that protects your beneficiaries. If someone depends on you financially, chances are you need life insurance. It provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. With so many options available, we provide hassle-free, helpful advice on Term, Whole, Universal and the many other Life plans. Get the coverage you need to protect your family.

Long Term Care Plans

Wouldn't you like to review the rates of every long term care insurance company in the marketplace to allow you to instantly compare quotes on an apples-to-apples basis? That's exactly what we can do for you - independent and unbiased. Regular health insurance doesn’t cover long term care. Neith does Medicare - it only covers short nursing home stays or limited amounts of home health care. We can easily provide you with the very best information on LTC planning, costs, partnership plans, and the many other aspects of long term care planning and insurance. We do the homework so you don't have to. The process enables you to make informed planning decisions with ease and confidence.

Individual/Family Health Insurance

Health insurance is one of the most important personal choices you make for yourself, your family and your loved ones. There is a lot of confusion in the the health insurance market today. We're here to make it simple for you. We work to understand what your needs are and then design your health insurance plan through one of our top-rated national carriers. Whether, Standard individual or family plans, ACA plans, Short Term Medical plans, Indemnity plans or medicare, we know the industry and can make sure you get the best possible price.

Group Plans

The rising costs of health care have influenced how businesses offer group health benefits to their employees. Fortunately, there are more small business group plan options today than ever before and we can show you how to take advantage of that. We offer Traditional group health insurance, Group coverage HRAs, Self-funded health insurance, Association health plans and QSEHRAs. We’ll run over how they work, the advantages they offer, compliance regulations and what concerns a business might have with one of these options. We'll also explain regulatory changes that may make new health benefit options available in the near future.

Personal Planning

Our lives change continuosly, so our planning process is designed to support the dynamic nature of financial markets and your life. Our process starts with a full and confidential understanding of your values and goals. We coordinate the inputs from various disciplines - like taxes, legal, etc. Then form an objective assessment of your current needs and holdings. We follow this with regular reviews as you need them. Our only goal is to empower you to make financial decisions that help you achieve your goals. It's personal planning that's surprisingly painless.

Personal and Business Products

Personal Protection

  • Long Term Care (LTC)
  • Disability Insurance
  • Life Insurance Annuities
  • Final Expense Mortgage Insurance
  • Estate Preservation
  • Medicare Supplements and Advantage plans
  • Medical, dental, vision, accident, cancer plans

Business Protections

  • Buy/sell plans
  • Key employee plans
  • Deferred Compensation
  • Group medical and ancillary worksite benefits
  • Executive Bonus plans
  • Disability plans
  • Stock redemption plans

Over 40 Top Rated Companies

We actively work with over 40 Top rated insurance companies for coverage that meet your needs and saves you money.

American General
American National
Banner Life
Blue Cross Blue Shield
Brighthouse Financial
Colonial Life
Columbian Life
Genworth Life
Gerber Life
Great American
Guardian Life/Berkshire
Illinois Mutual
ING Reliastar
John Hancock
Lincoln Financial
Mass Mutual
Mutual of Omaha
National General A&H
Ohio National
Oxford Life
Penn Mutual
Peterson International
Protective Life
Royal Neighbors
Silver Script Rx
The Standard
United Healthcare