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Fixed and Indexed Annuities – Learn how to protect the assets that you have worked so hard to accumulate.  Fixed and indexed annuities protect against downside risk as you approach retirement, while locking in your principal assets and allowing you to keep the potential for significant growth.  You can use your annuity to receive a lump sum, produce a stream of income guaranteed for life, or produce a stream of income for a specified period of time that you choose.

Individual Health Insurance – Every state has different health insurances laws and regulations, but the basic principles remain the same.  You could save hundreds of dollars per month compared to your current health insurance plan!

Senior Insurance – Medigap plans can help you create a predictable healthcare expense structure, which can be vital when you’re on a fixed income and is an essential part of your retirement planning. Final expense life insurance (burial insurance) is designed to help seniors cover funeral expenses and other final debts so the burden of those costs are not passed on to their loved ones.

Employee Benefits – If you are a business owner, you may be looking for ways to attract highly skilled employees.  Group health insurance, life insurance, disability insurance, and long term care insurance can be excellent tools to help accomplish that goal.

Disability Insurance – One of your most important assets is your ability to generate income for your family or your business.  While life insurance can help protect that asset in the event of death, how will you protect that asset in the event of a partial or total disability?  Disability insurance can replace a significant portion of your lost income on a tax-free basis if you become disabled, all the way up to age 67!  There are many factors to consider when shopping for disability insurance, so we help you understand how the benefits are structured.  We offer the most comprehensive disability benefits in the industry!

Long Term Care Insurance – As medical technology improves, the cost of long term healthcare has continued to rise quickly, outpacing average inflation.  The cost of care can be paid from your own assets, by your children, through government programs, or by shifting the risk to an insurance company.  Find out how to reduce your risk and protect your assets with the help of long term care insurance.

Retirement Planning – Many people retire at age 65 or earlier, but may continue to live another 20 or 30 years after retirement.  Have you considered how you will continue to generate income to last through retirement?

Estate Planning – Individuals and families with a high net worth may be subject to a large tax on their estate upon death if the estate exceeds a certain dollar value, significantly reducing the size of the estate left to your heirs.  We will review your personal situation to help determine your potential liabilities and show you how to minimize your tax liability through the use of estate planning processes.  Wills and trusts can also be used to avoid time-consuming and expensive probate, protect your assets from the claims of creditors, and distribute your assets as you see fit.