Insurance for an individual is by definition individual, and not purchased by virtue of a group relationship. Essentially, individual insurance is a policy purchased without the involvement of an employer or association.

Health Insurance

In recent years, health insurance has been made more available than ever before. Laws have changed, and markets have responded with higher rates. Our firm continues to provide guidance and assistance with available insurance policies.

Life Insurance is Amazing!

Life insurance is the bedrock of advance planning. It provides for the insured, and for the insured’s loved ones when death occurs. Policy styles have changed, and today’s life insurance can provide for other “what ifs” such as:

• Disability
• Chronic illness
• And long term care all in one policy

With proper planning, insurance can allow for tax free conversion of retirement funds to a policy with survivor death benefits, or long term care as needed. Spending precious savings on long term care expenses without insurance is dollar for dollar. By comparison, buying a policy that will pay multiple times the amount of the premiums in benefit creates a much larger pool of assets to cover expenses for long term care, or to provide for heirs with a death benefit.

Life insurance can provide tax-free accumulation for retirement, taking advantage of market growth over time, all the while protecting the living from a tragic loss. It can secure a bank loan. It can secure funding for the pre-planned purchase of a business at an agreed price to the heirs with a buy-sell arrangement.

The policy purchased years ago may not meet the needs of today. We can help with a policy review, or an initial needs analysis. Give yourself peace of mind by calling today.