NEEDS ANALYSIS – Life insurance is not a “one size fits all” kind of product and we offer professional needs analysis to narrow down your search to exactly what you need. Over insured and under insured are things we can help you avoid. Making sure your choice doesn’t strain your budget is equally important. Let us help you.

POLICY ANALYSIS - Especially when it comes to Universal Life and Whole Life policies there is a very real need for ongoing evaluation and analysis. Most owners of these types of policies can recite almost verbatim what the policy was supposed to accomplish when they originally bought it. Most owners don’t evaluate the annual in force illustration they receive to make sure the policy is on track. Let us help you understand your current coverage.

ADVICE – Whether it is as simple as insurance to cover a business loan upon your death, or as complicated as a multi tiered stock redemption plan, we have the experience and resources to make the proper recommendations. Buy/sell plans and key man insurance can be integral parts of protecting a business.

ESTATE PLANNING – With estate tax laws “up in the air” to say the least, we keep up to date on how best to service your estate preservation needs. We also have access to estate planning departments in some of the largest life insurance companies in the country, such as Mass Mutual, to make sure we have all of your needs covered. Let our team help you make sense of a very complicated and very critical wealth management tool.

QUOTING TERM AND PERMANENT POLICIES – We are prepared to quote whatever product makes the most sense for you. If you’re not sure if now is the best time to change or renew your product, let us project the cost of waiting for you. If you knew that the cost of waiting a few years was very minimal, it may make good sense to hang on to what you have. If you knew that waiting a few years would mean paying hundreds of dollars more per year, it might be a good idea to move ahead now.

FIXED AND INDEXED ANNUITIES – You could also refer to these two wealth management tools as the “safe and safer” ways to increase your wealth on a tax deferred basis. The beauty of fixed and indexed annuities is knowing that your money can grow at a fixed interest rate, or grow with the market, and be guaranteed not to have a downside. Those who had their money in variable annuities when the market plummeted during 2002 and 2003 can attest to how much could have been saved if their product had a safety net like indexed annuities.