Our Products

Long Term Care Insurance:  One of the greatest potential risks faced by America’s elderly is the need for long-term care. There are $10,000 Baby Boomers turning 65 daily.  We are definitely in the Sandwich generation today.  More Mothers are taking care of their children and their parents in today’s society at the same time.

Long-term care insurance transfers a portion of the risk of long-term care expenses to an insurance company helping to protect you and your family from potentially devastating expenses.  A plan will allow you to make the decisions for your care and retain your dignity and independence.

 

Group Health Insurance: Is employer-sponsored health coverage for business owners, employees and often for dependents.  A majority of Americans have group health coverage through their own or a family member’s employer-sponsored group plan. Employers and employees can share costs and there are special tax incentives available to businesses that provide group health insurance.  In today’s marketplace an Employer sponsored plan will help incentifies employees and help Employers hire and retain quality employees.

 

Life Insurance: The primary purpose of life insurance is to protect your dependents financially in the event of your death. Properly positioned, the benefit from a life insurance policy can provide a steady stream of income for your family. It can also provide liquid capital to pay estate taxes and other obligations.

 

Individual Health Insurance: Medical coverage goes right to the heart of why we buy insurance in the first place. We buy insurance as a way to protect ourselves against loss. If you’ve ever had a major injury or surgery, you understand the importance of having good medical insurance.  With the new Health Care Reform it is important to have a professional Broker to help wade through the new plans and laws that follow.

 

Disability insurance: Also called paycheck insurance, helps replace income lost because of an accident or illness. One survey found that 43% of people aged 40 will suffer a disability of at least 90 days before they reach age 65.

 

AFLAC Supplemental Products: Supplemental products like accident insurance, short term disability, & hospitalization plans give you cash to help pay the bills when you are in an accident or face an illness.

 

Medicare Supplements: Traditional Supplement plans for seniors.  These plans allow you to see any Doctor who accepts Medicare in the U.S.  Many seniors love the flexibility they afford.

 

Senior Advantage Plans: Plans offered to seniors at a lower premium.  These plans use a network of physicians.  You will pay copays and co-insurance for all services rendered.

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