Insurance Needs Analysis and Planning
As independent insurance brokers we review your existing coverage or help you evaluate and design insurance you are planning to purchase. Insurance products include - permanent and term life, disability income protection, long term care and health.
There are two types of life insurance -- term and permanent. The one that's right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last.
Term insurance is a lower cost option that allows you to purchase the most coverage for a limited span of time — long enough to meet your anticipated responsibilities to those who depend on you, but no longer. Permanent insurance is designed to provide lifetime coverage. But, don't think that you're limited to one or the other. Many people find that a combination of term and permanent life insurance best meets their needs.
Insurance Policy Review Service
Many people feel that once they purchase insurance it can be locked away until needed. That’s really not true. As you move through life your need for insurance changes. The right coverage when raising a family or building a business may be very different from your need in retirement or as part of your estate plan.
Insurance companies are continually changing their offerings. Premiums go up and down, new riders become available and in some cases people who were previously declined or highly rated may now be viewed more favorably. That’s why we offer a Policy Review Service for life, disability and long term care insurance.