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PERSONAL
LINES INSURANCE |
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PERSONAL AUTO INSURANCE
HOMEOWNERS INSURANCE
CONDOMINIUM INSURANCE
RENTERS INSURANCE
BOAT INSURANCE
CATASTROPHE LIABILITY
LANDLORD PROPERTIES
FLOOD INSURANCE
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COMMERCIAL
LINES INSURANCE |
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COMMERCIAL PACKAGES
BUSINESS OWNERS POLICIES
ARTISAN CONTRACTORS
PROFESSIONAL OFFICES
APARTMENTS AND CONDOS
COMMERCIAL AUTO
WORKERS COMPENSATION
BUSINESS CATASTROPHE LIABILITY
COMMERCIAL FIRE
GENERAL LIABILITY
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LIFE
INSURANCE |
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UNIVERSAL LIFE INSURANCE
WHOLE LIFE INSURANCE
ANNUAL RENEWABLE TERM
LEVEL TERM LIFE INSURANCE
MORTGAGE LIFE INSURANCE
MORTGAGE CANCELLATION
CUSTOM LOAN PROTECTION
YOUTH INVESTMENT PLANS
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HEALTH
& DISABILITY INSURANCE |
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MAJOR MEDICAL PLANS
PREFERRED PROVIDER PLANS
MEDICARE SUPPLEMENT
MEDICAL SAVINGS ACCOUNTS
SHORT TERM MEDICAL
MORTGAGE DISABILITY
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COMMERCIAL
BONDS |
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PERFORMANCE BONDS
CONTRACTORS BID BONDS
LICENSE & PERMIT BONDS
EMPLOYEE DISHONESTY BONDS
FIDUCIARY BONDS
PENSION & TRUST BONDS
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PERSONAL
FINANCIAL SERVICES |
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INDIVIDUAL RETIREMENT ACCOUNTS
ROTH IRA
TAX DEFERRED ANNUITIES
FLEXIBLE PREMIUM ANNUITIES
SINGLE PREMIUM ANNUITIES
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COMMERCIAL
FINANCIAL SERV. |
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GROUP LIFE INSURANCE
SIMPLIFIED EMPLOYEE PENSION PLANS
SAVINGS INCENTIVE MATCH PLANS
KEOGH PLANS
TAX-SHELTERED ANNUITIES
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 Life
Insurance: Universal Life Insurance, Whole Life Insurance, Term Life Insurance
Policies
Affordable life insurance coverage, mortgage life insurance and custom
loan protection for you and your family.
 Universal
Life Insurance:
Universal Life Insurance is as unique as permanent Life
Insurance and Investment Savings. By providing the protection of term
life and the cash value of whole life; universal life insurance appeals
to consumers who prefer protection and long-term security.
Whole Life Insurance:
A Whole Life Insurance policy will cover you for your
entire life. Generally, the death benefit paid to your beneficiary is
nontaxable and avoids probate. The cash value grows on a tax deferred
basis. If you should decide to cash in your policy, you'd only be required
to pay tax on the net gain. As an example, suppose your total cash value
was $25,000 and the amount you paid in premiums was $15,000. The difference
of $10,000 would be the net gain.
Annual Renewable Term:
Term insurance which can be renewed at the end of the
term, at the option of the policy owner and without evidence of insurability,
for a limited number of successive terms. The rates generally increase
at each renewal as the age of the insured increases.
Level Term Life Insurance:
Level Term is life insurance for which the premiums and
the death benefit remain the same year after year, and typically provides
protection in increments of five, ten, twenty, or thirty years. Term insurance
is best suited for covering specific needs within a defined period of
time and allows you to secure larger amounts of coverage at affordable
premiums.
 Mortgage
Life:
In the case of your death, your home can be paid in full.
This is a solid protection for your spouse and family. The premiums usually
remain the same and as long as payments are made on time, the policy remains
in effect.
Custom Loan Protection:
The Custom Loan Protector is designed to provide life
insurance protection to cover specific loan situations. The policy
is designed to pay off virtually any loan situation such as home mortgages,
car loans, educational, etc. The policy is designed to follow the pay
down of a specific loan schedule so the insured does not pay for more
coverage than is necessary to meet that obligation.
 Youth
Investment Plan:
Many parents and grandparents choose to provide
a financial benefit to their children through a Permanent Life Insurance
Plan. In the early years both the cost and death benefit are low since
the child is young and has few liabilities. As they grow older cash
value builds in their policy. Additionally, they are guaranteed
the right to purchase additional insurance without medical screening in
latter ages as their needs change. |
