Our life insurance products include:

- Life Insurance (Term and Permanent)
- Annuities
- Disability Insurance
- Long-term Care Insurance.

	Life Insurance Term Life – Protects the beneficiary against financial loss resulting from the death of the named insured. Term Life has a set Death Benefit amount payable in the event of the death of the named insured. Policies are usually written in terms anywhere from 5 to 30 years. Permanent Life (Whole and Universal Life) - Permanent Life policies pay off in case of death but also carry cash balances as an investment.
	Annuities A safe and secure way to invest money that can provide a stream of income once it matures.  An excellent way to provide for college expenses or for retirement.
	Disability Insurance Would you be able to keep your standard of living if you became disabled from an accident or illness and could no longer work?  Unfortunately, it is something that is a lot more common than you think.  One out of four workers, age 35 – 65, will be disabled for 90 days or more.*  Disability Insurance provides a steady flow of income that protects against such a situation.
	Long-term Care Insurance Long-term Care Insurance is the insurance that takes care of you when you can no longer take care of yourself.  Whether you need care at home, at an adult day care center, assisted living facility, hospice care facility or a nursing home, Long-term Care pays for the daily expenses of such care.

* National Association of Life Underwriters