Life Insurance

Family Coverage

Losing a parent is a horrible trauma for any family. Losing all of their financial security at the same time is devasting:

• Explore the varying types of Life Insurance coverage available from the top-rated carriers.

• Analyze your family’s financial needs and determine the proper amount of coverage to apply for.

• Sleep well at night, knowing that you have secured your family’s hopes and dreams even in the event of an untimely death in the family.

• Prepare the surviving spouse to pay for your family home, college, weddings, and all your family needs.

• We will make referrals to local lawyers who specialize in setting up Personal Wills and trusts to provide legal protection for your family and your assets.

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Business Coverage

Businesses with more than one owner need a Partnership Agreement and Buy-Sell Agreement that spells out what happens in the event of an untimely death or disability of a partner and even determines the procedures to follow in the event a partner wishes to sell or retire. Without a proper agreement, your partner's spouse or the lawyer representing their estate may become your partner. That could destroy a business.

• Determine a proper valuation for the business and start the process of setting up the legal contracts to protect the partners.

• Secure Life and Disability Insurance to buy out a partner’s stock in the event of a death or disability.

• Use specialized policies to provide coverage to a business for the loss of Key Employees.

• Use specialized policies to lock in employees for the long term by providing them with guaranteed supplemental retirement income.

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