About Our Agency

We offer high quality insurance and financial products to the individual and business marketplace.

Avoid the Ugly Side of Insurance and Retirement.

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Allow us to check and discuss your beneficiary form, its the most powerful document when it comes to your retirement and estate. “How can that be?” you may ask. The beneficiary form is Senior to all other estate planning documents, even a will or a trust.

This means any asset you own, for example a retirement account or life insurance, will pass directly to the named beneficiary at your death without the need for a will or probate.

(Ex-spouse? he or she get's it. No beneficiary the state get's it)

Our Services

The material presented on our web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice, you may wish to consult a competent attorney, tax advisor, or accountant

Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company.

Retirement Planning

In this day and age an individual is responsible for securing his own financial future. Therefore, it is vitally important that you have access to a wide variety of secure retirement income solutions.

Mortgage Protection

Life insurance which protects a homeowner and family at a fixed rate of payments for a limited period of time, usually the length of the mortgage term.

Annuities

It is a unique financial product that provides tax deferral of interest and capital gains and the option (if funds are annuitized) of a guaranteed monthly income for life.

Disability Insurance

U.S. Census Bureau figures show that nearly one in five Americans will become disabled for a year or more before age 65. Long-term disability insurance replaces lost wages due to illness or injury.