Products & Services

Life Insurance

Life Insurance for the individual or multi-life, fixed or variable, all has been carefully scrutinized to gather companies that offer excellent pricing and features at all ages. Unique product niches are carefully designed to provide the most competitive rates for each underwriting circumstance whether it be smokers, preferred smokers, nonsmokers, preferred nonsmokers, and substandard underwriting.


Whole Life
Universal Life


Annuities are offered from carriers with the highest ratings available and designed with high current fixed interest rates and short surrender charges for both the qualified and non-qualified marketplace. The array of annuity products includes immediate or deferred, fixed as well as indexed and rated annuities for the medically impaired. (See also our Annuity Center page under Agent Tools.)


Fixed Deferred Annuities
Fixed Indexed Deferred Annuities
Single Premium Immediate Annuities
Long Term Care Annuities

Long Term Care

Long-Term Care products are offered with the maximum in policy design and features. Plans include Home Health, Nursing Facility, or Comprehensive care with benefits such as guaranteed renewable for life, bed reservation, no prior hospitalization required, ambulance service, return of premium ride, inflation guard rider, guaranteed purchase option rider and spousal discounts.


Home Health
Nursing Facility

Disability Income

Income Protection policies are offered for individuals with varied occupations and incomes. Policies include non-cancelable or guaranteed renewable premium rates and conditionally renewable. Residual benefits, recovery (return to work) benefits, future insurability, COLA riders, own occupation extensions, social insurance offset, and supplemental monthly benefits are just a few of the features available.

Many Americans can’t afford to miss one paycheck – yet most of us aren’t financially prepared if an emergency should come up. Disability insurance can protect your clients’ paycheck by replacing a portion of their income if they’re unable to work.


White Collar
Blue Collar
Buy Sell
Overhead Expenses