Life Insurance

• Low-cost, Level-premium Term Insurance
• Group Life
• Buy/Sell Agreement Funding
• Key Man
• Split Dollar
• Survivorship Life

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Disability Insurance

• Top-quality Individual Policies
• Group Disability
• Short-term
• Long-term
• Disability Buyout
• Overhead Expense Disability Coverage

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Long-term Care

This is a most important area, as it is typical for most people to fall into the zone between having the financial resources to "self-insure" a long nursing home stay, and qualification for government programs. Policies offer many options as to coverage amounts, waiting and benefit periods, inflation protection, "home care," etc.

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Health Insurance

In today's difficult environment dominated by managed care, we work with our clients in structuring the most cost-efficient health insurance coverage in each particular situation.

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