Disability Insurance

Many people take out insurance policies for their homes and cars, but forget about their most important asset – the ability to work and earn a living. If you become ill or are injured and cannot work, disability insurance can help replace a portion of your income to help cover financial needs.

Types of Disability Insurance

  • Individual Disability Income Insurance
  • Employer-Provided Disability Income Insurance

When you can’t work, disability insurance works for you!

Permanent Life Insurance

Permanent life insurance is lifetime coverage with a potential to build equity (cash value), and has more options for flexibility.

Types of Permanent Life Insurance

  • Whole Life Insurance - fixed premiums, guaranteed death benefit, and cash value growth.
  • Universal Life Insurance - flexibility to change payments, premiums and death benefit options.
  • Variable Universal Life Insurance - flexibility to change payments, premiums and death benefit; option to take investment risks in return for a possible higher cash value.
  • Survivorship Life Insurance - provides a benefit to beneficiary after one person passes away.