My Products and Services

I offer a variety of Insurance Products to fit your needs. Let me do a free evaluation of your current insurance to see if I can save you some money.

 

If you're like most people, the amount of insurance protection you need is a big question. The answer depends on your individual situation. I can tailor a plan to meet your needs. Whether it's protecting yourself and your family from the cost of an illness, taking care of your family in the event of a disabling event, planning for your child's education, saving for retirement or caring for an elderly family member.

 Group Health

Hospitalization for groups of 2 or more

Individual Health

If you need hospitalization for yourself or your family.

Disability

You insure your health, your home and your car. Shouldn't you consider

insuring one of your most valuable assets;  your ability to earn

an income?

Critical Illness

Thanks to the quality of today's health care, an increasing number of

people are surviving critical illnesses. But the indirect costs of

becoming critically ill often dramatically affect their lifestyles.

They may encounter challenges like recuperation, rehabilitation,

income shifts and sometimes even career changes. In short, people who

survive critical illnesses can face more expenses and less income.

Critical Illness insurance was designed specifically to help address

this problem.

 

Medicare Supplement

 

Are you paying to much for your Medicare Supplement or if Medicare doesn�t cover all your medical bills, you may want to supplement that coverage with a Medicare supplement Insurance Plan.  It helps you keep out-of-pocket costs down by paying some of the expenses Medicare doesn�t.

Long Term Care

Home is the best place to be

 

Gone are the days when long-term care meant you had to go to a

nursing home. Today, you can receive the care you need in your home.

But it still comes at a cost. Home health care services can cost

$12,000 a year or more.

Long-term care insurance policy may help protect your savings from

being depleted by potential home health care costs.

 

 

Life Coverage

 

If you're like most people, the amount of insurance protection you need is a big question.  The answer depends on your unique needs.

Annuities

Millions of Americans have chosen annuities to help them chart a course toward their long-term financial goals.

 

Annuities can provide:

 

Tax-deferred accumulation

Lifetime income options

Death benefits

 Will you enjoy a worry-free retirement?

 Everyone wants to be financially secure in retirement. 

            Of course, to accomplish this goal requires making good decisions about how to

invest and use the assets you have set aside for retirement.

               I can work with you to analyze youir situation in the following areas:

        Transfer retirement assets from a company plan to an IRA without taxes and penalties.

        Select suitable investments for your financial situation in retirement.

  Explore options for drawing income or setting up income payments you can't outlive.

Leave a legacy to your heirs using your retirement plan assets.

 

Key Employee Life Insurance

 

Key employee life insurance is designed to indemnify your business for the death of an employee who is vital to your continued business success.

How it Works:

The business pays premiums on a life insurance policy insuring your business� key employee  The business is the owner and beneficiary of the policy

Upon the death of the key employee, the business receives the life insurance death benefit income tax free*

 

*under current federal income tax law

 

Executive Bonus Life Insurance

 

A bonus to a key employee is an efficient method of paying fremiums for needed life insurance.  The bonus is taxable compensation to the employee and is a normal deductible business expense under Section 162 of the Intternal Revenue Code.  Since it is treated as compensation, the life insurance premiums become tax deductible bye the business.  The arrangement also enables you to recognize valuable employees.  A bonus in the form of premiums for life insurance protection shows that you really care for the welfare of your employees and their families

 

How it Works:

The business pays life insurance premiums directly to the life insurance company.

The premiums are treated as taxable compensation (bonus) to the employee.

The employee pays income tax on the bonus (premiums).

The employee retains full rights to the policy, including accessing the policy�s cash values, pledging the policy as collateral for a loan and naming a beneficiary.

The death benefits are income tax free* when paid to a named beneficiary.

*Under current federal income tax law

 

Increase your Profits

 

Interested in a way to make your business more profitable? If so, I�d like to talk with you about Premium Only Plans (POP) � one of the best tax savings plans the IRS allows small business owners.  A POP helps reduce your payroll taxes, while allowing employees to increase their take home pay. Insurance premiums are deducted from participating employees� paychecks on a pre-tax basis, reducing both their taxable income and the amount of income tax they pay.  None of this effects their benefits or premium payments. And when you combine lower turnover with increased employee loyalty and morale, it helps you increase your profits.

A small change in your payroll process and appropriate forms and filings are all it takes to implement a Premium Only Plan

 

Is It Time For a Change

As the old saying goes, the only thing that is certain is change.

Sometimes circumstances beyond our control, such as sickness or the

unexpected death of a loved one, force us to make critical choices

that can change the course of our life � and the lives of those we

hold dear.  Although change is sometimes out of our control, I can

help you plan for the unexpected. And that planning begins with a

financial strategy.  Think of a financial strategy as a roadmap for your future. The

strategy sets a course for your future with �rest stops� or unexpected

challenges built into the plan. In addition to preparing for life's

challenges, thoughtful planning also helps you plan for exciting life

events � such as college funding and retirement planning.  I can work with you to develop a comprehensive strategy that takes into consideration your current standing, and your individual financial temperament. Your attitude about money, and your special concerns, needs, and desires are all factored in.

 

With insurance and financial products and services customized for your

needs, I can point you in the direct direction. After completing the

financial strategy, you can begin to improve your financial outlook �

and your future. All you need to do is reply to this message. Your future is in your hands.

 Call me today.