About Us
Protecting Futures
We have years of insurance experience helping clients prepare for the future. Ask us about:
We can access many different insurance products so you can get the right one for you.
Assessing Need
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.
Our Partners
Features
Vitality Program
The John Hancock Vitality Program helps your clients protect the ones they love and rewards them with premium savings, shopping discounts and more for their healthy habits
Long Term Care Rider
Nobody wants to think of a time when they might need help doing simple, everyday things like getting dressed, taking a shower, or feeding themselves. But the reality is that many of us will eventually need some level of long-term care support. Whether it’s a visiting nurse a few days a week or a residential nursing home, this type of care can be expensive. So, why not be prepared?
Unnique Planning Challenges
In broad terms, women are no different than men in terms of their financial planning needs, including risk protection, wealth management, retirement planning, and insurance. However, women face different risks and challenges than their male counterparts, which can have a significant impact on their ability to achieve financial planning goals.
Cash value Life Insurance
Cash value life insurance can be a powerful tool to our clients achieve their goals. More specifically, Accumulation VUL was designed to offer clients affordable death benefit protection and tax advantages, plus the potential for cash value accumulation to help supplement retirement income needs
Protection UL vs Guaranteed UL
Current market conditions have resulted in a rise in demand for universal life policies. While Guaranteed ULs remain a popular choice, their value proposition has changed in recent years due in part to a combination of higher premiums, lower IRRs, and little to no funding flexibility, which is why Protection UL is often a better fit.
Life Insurance you don't have to die to use
A life annuity is an annuity, or series of payments at fixed intervals, paid while the purchaser (or annuitant) is alive. A life annuity is an insurance product typically sold or issued by life insurance companies. Life annuities may be sold in exchange for the immediate payment of a lump sum (single-payment annuity) or a series of regular payments (flexible payment annuity), prior to the onset of the annuity.
The payment stream from the issuer to the annuitant has an unknown duration based principally upon the date of death of the annuitant. At this point the contract will terminate and the remainder of the fund accumulated is forfeited unless there are other annuitants or beneficiaries in the contract. Thus a life annuity is a form of longevity insurance, where the uncertainty of an individual's lifespan is transferred from the individual to the insurer, which reduces its own uncertainty by pooling many clients. Annuities can be purchased to provide an income during retirement, or originate from a structured settlement of a personal injury lawsuit.