100 Broad Street
521 Green Street
What would you do if you or your spouse were suddenly faced with an accident or illness which prevented you from earning an income or taking care of yourself? How would you provide for your family in such a crisis? We can help you plan for such events through life insurance, disability insurance, or long-term care insurance. You’ll rest easy knowing your family has a safety net and a care plan.
Review of Existing Policies If you currently have existing policies, we will review them, see what areas can be improved, and implement new solutions if necessary.
Disability Income InsuranceThis insurance policy pays a portion of the insured’s income in the event of a temporary illness or a permanent disability that prevents the insured from working.
Life InsuranceA contract in which the insured pays a premium to an insurance company in return for the company’s promise to pay the beneficiary (or beneficiaries) a defined amount upon the death of the insured. Term life, whole life, and universal life are three of the more common forms of life insurance available. Long Term Care InsuranceThis insurance is designed to safeguard against the costs associated with long term care by covering such expenses as nursing home care, in-home assistance, assisted living, or adult daycare.
Captive InsuranceCaptive insurance means the insurers own and control the insurance company. This approach is designed to protect the risks of the insured and to see that they benefit from the captive insurer’s underwriting profits.
Premium FinancingThis strategy involves lending funds to cover an insurance premium. We’ll survey your circumstances and determine if premium financing can be of benefit to you.