Life Insurance

An annuity is a low-risk financial product where you pay a lump sum to an insurance company, and in return receive steady income in the future. The insurer invests your money and uses the returns to fund your payments.

There are two main types:
- Immediate Annuities: Payments begin right away after you make your lump-sum contribution.
- Deferred Annuities: Your money grows over time, and you receive payments or a lump sum later. Annuities are commonly used for retirement planning because they provide reliable, long-term income. Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

Disability insurance provides income protection if an illness or injury prevents you from working. It helps replace lost earnings through short-term or long-term benefits, offering financial stability during recovery. In the U.S., disabilities are more common than most people realize — about 1 in 4 workers will face a disabling condition before retirement.Group benefits are insurance that covers a group of people who are usually the members of societies, employees of a common employer, or professionals in a common group. 
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Types of Disability InsuranceIndividual:
- Disability Insurance: Purchased by individuals or self-employed workers who want their own income protection.
- High-Limit Disability Insurance: Supplements standard coverage to protect higher-income earners, keeping benefits closer to 65% of income.
- Key-Person Disability Insurance: Protects a business if a key employee becomes disabled, helping cover replacement and operational costs.
- Business Overhead Expense Insurance (BOE): Covers essential business expenses — such as rent, utilities, insurance, and staff salaries — if the owner becomes disabled.

Final expense insurance helps cover funeral and burial costs after the insured passes away, reducing the financial burden on their family. It is a simple, affordable form of life insurance that typically lasts for a lifetime and is easy to qualify for.
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Final expense policies offer permanent coverage and fixed premiums, even if health declines over time. They are designed to pay for essential end-of-life expenses — such as the casket, funeral service, viewing, burial plot, headstone, flowers, and related costs — ensuring families have less stress during a difficult time.

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

Common Situations Protected by Umbrella Insurance:
- Motor vehicle accidents with excessive physical damage, bodily injuries, or death.
- Slip and fall accidents on your property.
- Boating Accidents.
- Swimming Pool Accidents.
- Physical damage or bodily injury caused by your dog.
- Slander, libel, and defamation lawsuits.
- Judgments that exceed the limits of your auto or home policies.