PRODUCTS OFFERED

LIFE INSURANCE

Term Insurance

• Level Premium - 10, 15, 20, 25, 30 years
• Return of Premium (ROP)
• Critcal and Chronic Illness Riders

Permanent Insurance

• Whole Life
• Univeral Life (UL)
• Index Universal Life (IUL)
• Guaranteed Universal Life (GUL
• Juvenille Policies
• Mortgage Protection
• Final Expense
• Key-Man
• Buy-Sell
• Premium Financing
• Life Settlements
• Child Riders
• Long-term Care Riders

DISABILITY INSURANCE

• Individual Income Replacement
• Business Overhead Expense
• Business Buy-Sell
• Group Disability
• Voluntary Payroll Deduction

 LONG-TERM CARE INSURANCE

• Traditional Long-term Care
• Asset Based Long-term Care (Life & Annuity Hybrids)
• Home Care Service Agreements

SUPPLEMENTAL INSURANCE                                                                                  

• Accident Plans
• Cancer and Critical Illness
• Hospital Confinement Indemnity
• Life & Disability 
• Dental 

MEDICARE SUPPLEMENTS

ANNUITIES

• Fixed "CD type" 
  
• Fixed Index (FIA) 
• Deferred Lifetime Income (DIA)
• Immediate Lifetime Income (SPIA)
• Qualified Longevity Annuity Contract (QLAC)
• Guaranteed Lifetime Income Riders

STRATEGIES

• Traditional, ROTH & SEP IRAs
• IRA Rollovers
• Private Reserve Strategy
• Retirement Income Strategies
• Social Security Claiming Stratagies
• Estate Planning
• College Planning
• SAGE Tuition Scholarship Rewards- website
• Legacy Tree Foundation - website