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Personal Insurance
Beneficiary Liquidity Plan
What is your plan for your beneficiaries to manage your final expenses? If your current plan utilizes bank money, life insurance, annuities, investments, and even power of attorney, your beneficiary will need to obtain a death certificate. The death certificate can take several weeks to be issued. With this plan, funds can be dispersed within 24-48 hours.
Contact us for further details.
Property and Casualty Insurance
Your home which is your largest physical asset needs to be protected from fire, wind, theft and even sinkholes. Make sure your coverage doesn't have holes!
Life Insurance
Life insurance is no longer about solely passing on and leaving money to loved ones! Today's policies have living benefits: if you require long term care you can access the death benefits for your own care if needed. Today's policies can also be designed to create a lifetime of tax free income in retirement. Death benefit, care benefit, and income...all in one policy!
Disability Insurance
Your largest asset is likely not your home, but rather your future earnings. How would you pay the mortgage and college expenses if you are unable to work. This is the most often forgotten, yet most important coverage you should have!
Final Expense Insurance
Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance. Unfortunately, even bare-bones funerals can cost thousands of dollars.
With funeral insurance, the value of your policy is proportionate to the expense of your desired funeral. While other forms of life insurance can top a million dollars, it's rare for final expense insurance policies to pay out more than $25,000. If you need to get the insurance proceeds to your beneficiaries quickly, please check out the Beneficiary Liquidity Plan above on this page.
Umbrella
It’s not hard to get sued these days. You injure someone in an auto accident, your dog bites a guest, or someone gets hurt on your property. If the damages are above the limits of your policy, your assets can be at risk. Inexpensive umbrella policies can prevent a judgement against you from seizing your assets.