Insurance Quotes & Additional Offerings

Most people don't think about insurance until they have a loss. They trust someone else to tell them what they need.  Over your lifetime you will need to purchase many different insurance policies to protect the things you've worked hard to own. Who will you trust? You have to trust someone!

Remember this: We make your insurance purchasing experience personal and professional.

Life Insurance

There are three reasons that people need life insurance:

• They love someone
• They owe someone
• They have a substantial estate that is not readily convertible to cash

At least one of these three reasons apply  to each of us!  You need to have the right type and amount of life insurance, and there are a lot of differences from policy to policy.

Life insurance products have changed a lot in the last 25 years. Needs have also changed a lot over this time:

1. People are living a lot longer. Out living your money is as big of an issue as dying prematurely. Life insurance can now be tailored to make sure the benefit is there in either case.
2. People will need different services as they live longer. New long term care products are designed to provide protection for care issues that may arise as we get older. Also, your life insurance has benefits and often policy riders that assist in many ways with the expenses of convalescent care and even terminal illnesses.

We offer many types of life insurance:

• Term Life: Provides inexpensive protection for mortgage and loan payments, and money for final expenses. Term insurance can be designed to stay at a level premium for 10, 20 and even 30 years. Most of the term insurance plans provide a way to convert the plan into a permanent type of insurance plan to cover you to age 100 and beyond!
• Whole Life and Universal life: Provides death benefit protection and can build long term cash values. These funds can also be borrowed against in some circumstances.
• Disability Income: Very few people have adequate disability insurance. This is important because the probability of disability lasting 30 days or longer is much greater than dying previous to age 65. We have some great disability products that are worth taking a look at, whether you are self employed or part of a multi-employee group situation. We have the expertise. Give us a call!

We also offer an array of other very important insurance coverages:

• Health Insurance
• Individual or Family Medical Insurance
• Short-Term Medical Insurance
• Medicare Supplements
• Long Term Care Insurance
   

To have us provide a quote for any of these services, please call us directly at (785) 628-6134 or you can use the online quote request form and we will get right back with you.