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Risk Management, Insurance and Annuities

Your estate consists of property, money, an interest in a business, investments, and all other assets that you have managed to acquire. Preserving your estate means protecting yourself and your heirs from losing all that you have worked for. Insurance makes it unnecessary to set aside large amounts of money to pay for the financial consequences of the various risks in life. Protecting your loved ones with insurance is the perfect gift of life. 

Life Insurance

Life Insurance

It's not just about offering your family financial security; it's about love and protection. It's about ensuring that your loved ones are taken care of even when you are no longer around.

Long-Term Care Insurance

As we grow older, our health needs may change, and we might require assistance with daily activities. This coverage offers peace knowing that you will not have burden on your family or deplete your hard-earned investments.

Disability Insurance

Life can take unexpected turns, and a sudden disability can have a profound impact on our lives. When you have provided a safety net of financial support while you are unable to work due to illness or injury, you are safeguarding your dreams, aspirations, and the life you have built.

Life Income Annuities

These annuities provide a guaranteed income stream for the lifetime of the annuitant. They are typically purchased with a lump sum payment and offer a fixed or variable income payout, depending on the terms of the annuity contract. The "living benefit" aspect of these annuities refers to the fact that the income payments begins immediately or at a certain time in the future to supplement your retirement income.