Life Insurance

You probably don't go for a drive in the car without wearing your seatbelt or having a spare tire in the trunk. You remember to look both ways before crossing the street. And you might make sure there's a life vest onboard before you get on a boat. That's because even the most careful or optimistic of us understand that the unforeseen is always a possibility, so it's better to prepare for the worst and hope for the best.

Fortunately, you've got great tools at your disposal to help you insure yourself and your loved ones against unexpected illness, injury and untimely death. Today's new breed of insurance products provide protection and often much more. For instance, some life insurance products offer traditional death benefit protection as well as cash value accumulation that may help fund everything from sending a child to college to long-term nursing care.

Because we are independent financial advisors, we aren't limited to any employer's product lines. Instead, we have access to the top products from many of the country's leading insurance carriers. So we can offer you the solutions that will best meet your goals for yourself and your loved ones.

Read on to learn how these products can help you achieve peace of mind, come what may.

Life Insurance

Today's life insurance products not only insure your life, but can also provide cash accumulation and a wealth of important riders, such as long-term care coverage, and more. Our advisors have access to an extensive selection of competitive products from reliable carriers, and can offer you everything from term life to cash-accumulating products such as whole, universal, indexed universal, and variable universal life.

Catastrophic Illness Insurance

Your risk of a serious injury or illness is higher than your chance of death for much of your life. If that should happen to you, how would you replace lost income during your recovery? What about all the other expenses associated with a critical illness, such as home health care, adaptive equipment, even modifications to your home? Traditional insurance products often have gaps in coverage that leave you unprotected. But there are solutions!

Disability Insurance

Don't let a major health crisis cost you everything you've worked so hard for. Should you ever become so seriously injured or ill that you can no longer work -- or you can no longer work in your chosen field -- that's exactly what may happen. The good news is that you can acquire the protection you need to fill the gaps in your income should illness or injury sideline you.

Plan

Reaching Your Goals | Requires the Right Plan

Most of our goals require money -- sometimes lots of it. Goals such as a first home, college education, new business, and retirement often require a significant amount of money to finance. We can help you achieve your goals -- big or small -- with appropriate strategies tailored to your unique situation .

Protect

Don't Let an Unexpected Setback | Set You Back

No matter if it’s your property or your health, the right insurance can make all the difference in how well you recover and rebuild after a setback. Our competitive roster of competitive products from top-rated companies can help you achieve your goals for yourself, your loved ones, and your business.

Build

Our In-House Money Manager* | Can Help You Build Wealth

Achieving many of your goals for the future will depend on how hard your savings work for you. Whether you need help creating a strategy or want personalized ongoing investment management, our in-house money manager* has access to hundreds of rewarding investment products to help you build toward the future.

Legacy

Enjoying the Rewards of Success | Requires Planning Too

What would happen to your family if something happened to you? Because there’s a chance that disability or death may make it impossible for you to provide for your family, you need a plan that will help protect their financial security. We can also help you secure your legacy with charitable giving strategies.