Though it can be hard to face our own mortality, none of us are guaranteed to see tomorrow. Have you taken the proper steps to make sure your loved ones will be OK? Do you know what amount of coverage you actually need? Do you need/want living benefits or tax-free legacy?

While life insurance protects your loved ones in the event that you pass away sooner than expected, annuities can help protect you from outliving your money. However, not everyone needs an annuity and there is a wide disparity of costs and features between products. Not sure where to start? We can help.

There are circumstances that can come in life that aren’t covered by health insurance but which negatively affect our cash flow through higher expenses or less income production ability. Disability coverage protects you during your working years while long term care planning most often supports your retirement years.

The common name for the group most commonly consisting of homeowner’s, auto, and excess liability (lawsuit) protection. You want to have proper coverage and absorb smaller risks while transferring potentially disastrous ones. Shopping coverage can also result in savings and cash flow improvements.