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State Directory- Life InsuranceProfessional Insurance Producers can search for the best buy from the best company whether you need term or whole life insurance. Here are a few of the carriers we can quote for you...
- Health InsuranceAs of January 1, 2014, group medical insurance is subject to new rules and regulations under the Affordable Care Act (ACA). Based on the size of your company different regulations apply to your company when offering group medical benefits. The Small Business Administration has created a site with tools to help educate small business owners about the ACA. The link below will take you to that site and assist you with the new laws as they pertain to your company...
- Disability InsuranceDisability Insurance protects your income. If you suffer a long term disability it may represent not only a loss of income but increased expenses, care and stress. 48% of all home foreclosures are the result of a Long Term Disability. Employers as well as individuals understand the need to obtain health, life and even dental insurance but overlook the importance to replace income due to a disability.
- Long Term CareYou may think that long term care is only for senior citizens. Although long term care may become a necessity due to increased frailty or dementia, you may also have a need for long term care due to an accident, prolonged illness, surgery or a disability that makes.it difficult for you to care for yourself for an extended period of time. Long term care can be therapeutic, rehabilitative or personal care delivered to you at home, in a community-based setting or in a facility.
- Dental Insurance
- AnnuitiesAn Annuity is simply a contract between you and the insurance company. You invest an amount of money and the insurance company guarantees to pay you a certain return on the investment (interest) much like a Certificate of Deposit (CD). Annuities and C.D.s are both insured investment instruments. So, why would you put your hard earned dollars into an annuity rather than a CD? The biggest reason is the power of tax deferral. Interest earned on a CD or Money Market Account is subject to federal and state income tax in the year earned. Interest earned on an annuity is tax-deferred until it is withdrawn.