We offer a range of insurance products to aid in long-term financial planning for retirement, mid-life investments, and living benefits. These include options to optimize spendable income, lessen tax liabilities, and potentially lower medical costs for pre- and post-retirement individuals.

Term Life Insurance is a type of life insurance policy with a specified end date, like 20 years from the start date. The death benefit will only be paid if the insured dies during this period. This is the amount of money that will be paid to the beneficiary when the insured passes away, and it can be issued in various ways, such as a lump-sum payment or as annuities.

Whole Life Insurance is a permanent policy that pays the beneficiaries a specific amount upon the insured's death. It also serves as a savings account where you can build a tax-deferred cash value that you can borrow against if needed. The accrued value depends on your premiums minus expenses.

Indexed Universal Life Insurance (IUL) is a type of permanent life insurance with a cash value component and a death benefit. The money in a policyholder's cash value account can earn interest by tracking a stock market index selected by the insurer, such as the Nasdaq-100 or the Standard & Poor's 500. You may also have a fixed-rate account and can choose how much you want to go into each account. Because the insurance policy also builds up a tax-deferred cash value over the policy's life, the policyholder can borrow against it.

Medicare Advantage (MA) is a Medicare plan offered by private insurers who contract with the program. Medicare Advantage plans, also known as Medicare Part C, provide hospital, outpatient, and, usually, prescription drug coverage, supplanting benefits under Medicare Parts A, B, and D.

Medicare Supplements Private insurance companies sell Medicare Supplement Insurance and pay medical costs not covered by Medicare. Better known as Medigap, this insurance covers out-of-pocket costs like copays, coinsurance, and deductibles.

Fixed Indexed Annuity (FIA) is a contract between you (the client) and an insurance company. Most are what's called deferred annuities, which means they provide tax-deferred growth potential. In an FIA, you are not invested directly in the market, and your premium is always 100% protected from market losses. No matter what the market does, at the end of the contract, you’ll get back what you put in (minus any early withdrawals).

Multi-year guarantee Annuities (MYGAs), also known as Fixed Rate or CD-type Annuities, are a type of fixed annuity that provides a pre-determined and contractually guaranteed interest rate for a specified period, most commonly 3-10 years. For this reason, they are often compared to Bank CDs. MYGAs are subject to state insurance regulations, and CDs are FDIC-insured. MYGAs offer tax-deferred growth.

Single Premium Immediate Annuity (SPIA), which is sometimes referred to as an immediate annuity, is a type of annuity that provides a guaranteed stream of income payments for the life of a single, lump-sum premium. Unlike a deferred annuity, a SPIA converts a single nest egg into immediate payments instead of paying into an annuity over time. These tax-deferred assets allow clients to pay no current income taxes on gains until the assets are withdrawn.

Dental & Vision: When retiring, you may worry about maintaining good health as you age. You want to continue getting dental and vision exams yearly to maintain your quality of life.

Long Term Care, Critical and Chronic Illness, Disability, Accidental Death, & Dismemberment (AD&D) are used as riders on insurance policies and contractual annuities.