Term Insurance – Guarantees a death benefit if the insured passes away within the stated term period

Universal Life – Flexible permanent insurance, meaning coverage can last for your lifetime, that also contains a cash value component

Whole Life – Permanent insurance that offers guaranteed death benefit protection and guaranteed cash value accumulation

Final Expense – Permanent, low death benefit solution that provides beneficiaries with funds for burial costs and other final expenses

Traditional LTC – Helps clients protect their assets and provide a means to pay for the cost of their care when they need assistance with the activities of daily living

Linked Benefit Plan – A life insurance contract with a long term care rider attached to it

Hybrid Plan – Uses either a life insurance policy or an annuity contract as the base platform from which the long term care benefit is calculated

Individual Disability Insurance – Provides a monthly benefit to help cover daily living expenses for individuals who become too sick or hurt to work

Business Overhead Expense – Reimburses a business owner for business expenses incurred during an owner’s disability

Disability Buy-Out – Funds a buy-sell agreement to buy out a totally disabled business owner

Retirement Protection – Helps individuals continue saving for their retirement if they become too sick or hurt to work