Our Insurance Services

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Our Insurance Services

Independent Insurance AgencyWe offer a wide array of insurance services for individuals, families, groups and businesses.

We are independently licensed with the leading life and health insurance companies in order to provide the lowest rates on health insurance, health savings accounts, life insurance, disability insurance, dental and vision plans, long term care policies, Medicare supplements, Medicare Advantage, Part D prescriptions insurance, and several types of annuity policies.

Business Insurance Services

In the business marketplace, we offer both group voluntary and employer sponsored insurance as well as business succession planning. Our group offerings include life, health, disability, long term care, Medicare supplement, prescription Part D, dental and vision insurance.

We also offer 403b group retirement accounts, deferred compensation packages, annuity accounts and key employee coverage. We can also work with individuals needing assistance with insurance and investment rollover services upon separating from employment.

Insurance Services For Retirees

In the senior market, we offer Medicare supplement plans, Medicare Advantage and Medicare part D prescription drug coverage. We also provide traditional and hybrid long term care policies – both those that stand on their own and those that are coupled with an annuity or life insurance policy.

We utilize specifically designed life insurance products to assist with wealth transfer and tax reduction. We also employ innovative insurance products to cover funeral expenses and to assist with Medicaid planning and those facing a Medicaid spend down situation.

Wealth Preservation Strategies And Estate Tax Planning

We specialize in asset protection and preservation by using unique products with a unmatched history of safety and security. Our independent agents focus on wealth management, estate growth and efficient asset transfer for individuals and families.

Using various insurance products, we can help plan for inheritance taxes, federal estate taxes and probate issues in order to maintain and/or increase estate distribution at settlement. We offer several products that can help reduce income and inheritance taxes.

Retirement And Income Planning

Our representatives help individuals and businesses create individual retirement accounts such as traditional and Roth IRA’s, SEP’s, TSA accounts, and 403(b) plans.

We also assist with  IRA, 401(k), and 403(b) retirement account rollovers upon separation from employment or reaching retirement age. For beneficiaries of retirement accounts, we can help establish and manage beneficial IRA accounts in order to reduce income taxes.

We also offer accounts designed for structured sale and structured settlement planning. We work with accountants and attorneys in order to facilitate the creation of structured accounts for tax and income planning.

Charitable Giving

We work with families and individuals looking to bequeath assets to charitable organizations both large and small. We contract with highly rated, reputable insurance companies to offer charitable gift annuity  accounts  and life insurance policies.

Using innovative products and strategies, we can help philanthropic investors leverage their dollars so to pass more wealth to a favorite charity or organization.

Professional Referrals

In some cases, we can also provide referrals to accountants and elder law attorneys for more advanced estate planning cases. These professionals can offer tax and legal advice when needed with certain insurance products and planning situations.