Income during retirement is extremely IMPORTANT to protect longevity risk. Now a day most of the people are taking care of their health, so most likely, today's healthy 65-year-olds will live well into their 80s or even 90s. And recent data suggests that longevity expectations may continue to increase. Also, many small business owners make the mistake of believing that the sale of their business will provide them with a large enough windfall to cover their retirement. This is an unwise assumption. And that’s where Income for life helps.

Products We Offer: Fixed Annuity Fixed-Indexed Annuity Indexed Annuity Immediate Annuity Variable Annuity Income For Life Annuity

The most IMPORTANT & REQUIRED insurance coverage. Whether you are buying a new insurance or renewing your current policy, you must make many decisions about what coverage you need and how much you can pay. It has to be state's minimum liability and property damage coverage. More than anything else, you need to maintain car insurance to keep yourself legal to drive. You risk losing your driver's license and fines driving without it. Get into an accident without liability coverage and you could be facing enormous penalties including bills from the damages you caused.

Products We Can Offer: Personal Auto Classic Car Motorcycle Travel Trailer High driving Points or poor Credit Watercraft

One of the most IMPORTANT and REQUIRED insurance coverage. Owning a home costs, a lot of money. The mortgage itself eats up a sizable chunk of your housing budget plus property taxes, furnishings and insurance bump up your monthly financial commitment even more. Homeowners insurance protects your home, which may very well be your largest investment, and gives you a sense of security. Home insurance is not as price-competitive as auto insurance, but you can still save hundreds to more than $1,000 a year in premiums by shopping around.

Products We Offer: Primary / Secondary Residences Single / Multi Family Landlord / Rental Property Condo or Apartment Vacant or Foreclosed Property High driving Points or poor Credit

One of the most IMPORTANT and REQUIRED insurance coverage for any businesses. It's also called as commercial insurance. It is important to carry at least four general types of insurance when engaging in trade and commerce: liability, property, employment and auto. Business insurance is crucial to financial and organizational stability because liability can quickly lead a business and its owners into bankruptcy. Commercial insurance can protect your business from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Products We Can Offer: Commercial Property Retail /Wholesale Business Hauling & Transportation Hotel & Restaurants Medical & Consulting Professional Liability

Long-term care insurance can be a VALUABLE tool for making sure you don't deplete your assets in retirement. Medicare and private health insurance programs don't pay for the majority of long-term care services. Long-term care is a general category for care related to physical, mental, social, and medical needs in the event of significant physical or mental declines. LTCI can provide for personal and custodial care for an extended period of time. The trigger for this is the help with or loss of at least two activities of daily living (ADLs). These include six categories: bathing, dressing, eating, transferring, toileting, and continence.

Products We Can Offer: Simple Long Term Care Multiple Long Term Care Tax Qualified & Non Tax qualified LTC with Life Insurance

Disability insurance is one of the most overlooked pieces of coverage. It pays partial replacement of your income due to injuries or illnesses. Long-term disability insurance usually replaces up to about two-thirds of your income if you can no longer do your own job (or any job depend on policy terms). Per the Council for Disability Awareness, “one in four 20-year-olds will become disabled before they retire. You may be surprised to discover that accidents aren’t usually the culprit, however. Back injuries, cancer, heart disease and other illnesses cause most long-term absences. It can protect your mortgage and car payments by providing you an income.