Independent Insurance Broker

We offer Annuities with powerful flexibility and good growth potential, without risking your money in the stock market.  An Annuity can be used to accumulate wealth and/or pay a steady stream of income.  It can be a non-qualified plan, a 403(b), or an IRA.  401(k) and other retirement plans can be transferred or rolled-over into an Annuity.  We use top-rated insurance companies so you money is safe, and the value of your initial deposit and the gains added to your account value each year are protected from stock market losses.  Let us show you how these excellent financial products could benefit you.

Click here to learn about Annuities.

IRAs come in several types, and all are viable options for accumulating wealth.  Contributions to some IRAs are tax deductible.  Others grow at tax-free rates.  If your current IRA is under-achieving, let us show you some possible remedies.  If you want to start an IRA from scratch, we can do it.

Many retirement plans such as 401(k), 403(b), and others lose value when the stock market declines.  When the market booms, account values rise, but when the market declines, values drop, and they can stay down for a long time.  After retirement and at other times, account values can be “rolled over” to financial products with good growth potential, but without the risk of losing value when the market declines.  Let us explain your options before the next crash.

Click here to learn about IRAs and Rollovers.

Disability Income insurance is designed to replace a portion of income that’s lost due to a covered disabling accident or illness.  Disability policies must be custom-designed.  Intelligent people with good character realize the need for Life insurance, but many fail to cover the risk of being unable to earn an income, which can be just as devastating as death.  Let us help you decide if a Disability Income policy could benefit you and your family.

Click here to learn about Disability Income insurance.

Life insurance offers amazing versatility to cover a host of needs that vary with family, business, assets, and age.  Examples include a father protecting his family in the event of his early death; a buy-sell business agreement; the tax-free transfer of assets and an estate.  Some policies include Long Term Care coverage.  Let us show you the amazing possibilities of Life insurance.

Click here to learn about Life insurance and Wealth Transfer.

It can happen slowly or suddenly: Memory problems, dementia, a fall, or a stroke could require hiring a caregiver or moving to a facility for a long time–maybe forever–and Medicare doesn’t cover it.  Long Term Care insurance can help help cover the cost, if it’s purchased before calamity strikes.  Policies are custom-built, and we know how.  Let us explain your options before you’re too old or sick to obtain affordable coverage.

Click here to learn about Long Term Care insurance.

Original Medicare, Parts A and B, leave sizeable deductibles, co-insurance, and co-payments that must be paid. Medicare Supplement insurance can pay those out-of-pocket costs. Medicare Supplement is a private insurance product designed to work in tandem with Medicare.  To the best of our knowledge, our supplements are accepted by every medical provider that contracts with Medicare.  Let us help you avoid the landmines and recommend a safe path.

Click here to learn about Medicare Supplement insurance.

In our market areas, Medicare Parts A and B are usually augmented with Medicare Supplement insurance and a Prescription Drug Plan.  This arrangement allows maximum flexibility and freedom, along with the least risk.  In some cases, Medicare Advantage is a viable alternative, especially if the premium is a lot lower than that of a Medicare Supplement and a Prescription Plan.  Medicare Advantage plans can be confusing, and deception is often used to sell them, but not by us.  We explain everything clearly and truthfully.

Click here to learn about Medicare Advantage and Prescription Drug plans.

Supplemental insurance is a broad category of products that is often used to cover the gaps and out-of-pocket costs associated with Major Medical Health insurance, whether its private-pay or part of an employer or other group insurance plan.  We  offer many Supplemental products focusing on accidents, cancer, critical illnesses, heart attacks, strokes, dread diseases, hospital and out-patient treatment, home health and nursing homes, dental and vision.  Tell us what you want to cover and why.  We’ll search for a solution.

Click here to learn about Supplemental Health insurance.