Term Life Insurance

• Provides affordable protection
• Often with a guaranteed premium
• Protection for a specified time period
• Lower initial premium
• May be convertible to permanent life insurance
  
  Permanent Life Insurance
  
  
• Provides permanent protection
• Access to cash values
• Flexible premiums and coverage amounts
• Cash values grow tax deferred at competitive interest rates
• Policy guarantees
  
  Survivorship Life Insurance
  
  
• Covers two individuals
• Provides a benefit after the death of the last surviving insured
• Can be term, universal life or whole life
• Often used in estate planning
  
  Long Term Care Insurance
  
  
• Retain your independence
• Preserve your quality of life
• Flexibility in care options
• Protect your assets and savings
• Stay at home as long as possible
  
  Disability Insurance
  
  
• Can replace a portion of your income when you are unable to work because of injury or illness
• Non-cancelable or guaranteed renewable policies available
• Disability buy-out for businesses

  Annuities

• Financial vehicle allowing individuals to accumulate money for retirement, and/or
• Turn a lump sum of money into a guaranteed stream of income payments

  Call 805-965-0071 for more information