INCOME
REPLACEMENT
PLANNING
In the case of a life altering event, such as a sudden disability or the death of someone responsible for providing income, establishing income replacement coverage can be a vital step towards personal and family security.
MORTGAGE/DEBT
LIQUIDATION PLANNING
Term life insurance is an inexpensive way to pay off a mortgage and other debts in the event of an early death, relieving that burden from your spouse and children.
LEGACY
PLANNING
Are you planning to transfer your assets to your children, grandchildren or favorite causes/charities? Legacy Planning lets you leverage your assets and distribute them in the most tax-effective manner.
ESTATE
PLANNING
Do you have a written and up to date plan for managing your Estate while living and distributing it after your death? An Estate Plan arranges for the management of your Estate during your life and for the disposal of your estate with future incapacitaty or death.
LONG-TERM HEALTHCARE
PLANNING
70% of individuals over the age of 65 will require some type of long-term care during their lifetime. Long-term care insurance is a tax effecient way to pay for anticipated future care.