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 Life & Health Insurance 

Life Insurance - Their are many types of life insurance to fit individual needs and circumstance. How much life insurance do I need? In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance.

Disability Insurance - Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness.

Long Term Care - Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities.

Medicare Supplements - A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover.

Annuities - In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.

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