Long Term Care Insurance

• Individual and group contracts. Long term care can also be used as a tax favored

• Employee benefit product for selected employees.

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Life Insurance

• Term Life - guaranteed premiums for 10 to 20 years

• Whole Life Insurance - annual dividends (not Guaranteed)

• Universal Life

• Guaranteed Issue Life Insurance-Not available for all ages

• Second to Die Life Insurance - For estate planning needs

• First to Die Life Insurance - For estate planning needs

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Disability Insurance

• Individual Disability - Own Occupation Contracts

• Business Overhead Expense Insurance-

• Key Man Disability

• Disability Buyout Insurance

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Group Health Insurance

Short Term Medical

Medicare Supplements

Medical for International Travelers - to and from the US

Viatical Settlements - purchase of a policy of one who is terminally ill.

Life Settlements - The purchase of a life insurance policy no longer needed by the insured.

Travel Accident Insurance
Trip Cancellation Insurance
Sports Team Accident Policies

Dental Insurance
Vision Care Coverage