All life insurance policies offer a cash payout upon the death of the insured person. Whole life covers the insured for their "whole life" and is also called permanent insurance.

As part of the premium, a whole life policy builds cash value, and additional living benefits may be available.

Raising a family, buying a home or starting a business are examples when we may need financial help for a specific period of time, should our income ever be in jeopardy due to illness or death. Having a term insurance policy makes it possible for our loved ones to stay in a current home, cover expenses and ensure that future education for little ones are financially taken care of.

Ask us about Living Benefits, as a way to access the death benefit early.

To ensure our final wishes does not impose a financial burden on loved ones, there is a way to plan ahead. A final expense policy is designed to cover the memorial service and/or funeral. Equally important it can also be used to pay final medical bills, utility bills, an extra month of rent, or mortgage, to give loved ones some breathing room.

Currently there are nearly 3 million Americans that are over 90 years old. Almost 90,000 of them are centenarians.

We are living longer and much credit goes to longevity and good genes, but medical advancements plays a large part as well.

Running out of money has for this reason become a real concern for many.

Annuities are designed to provide a guaranteed lifetime of income without any market risk. It may, however, not be the best retirement investment vehicle for everyone. Please contact us today, so we can understand your needs and provide expert advice.