Life Insurance - A Life Insurance policy normally pays a predetermined sum to the beneficiary upon the death of the insured.  Term Life, Whole Life and Universal Life are all types of life insurance available to your clients. Benefits from a life insurance policy can be used to handle the burial expenses of a deceased individual, pay the mortgage, miscellaneous expenses or secure a families future in the event of an untimely death.

Medicare Supplements - Insurance sold by private insurance companies to supplement the “gaps” left by Medicare Coverage are labeled Medicare Supplements. Medicare Supplement policies only work with clients that have Original Medicare. There are standardized plans available in most states. These standardized plans are designed to supplement the Part A and Part B benefits of clients on Medicare. 


Medicare Advantage - "MA" plans are offered by private insurance companies that contract with Medicare to provide Medicare Part A and Part B benefits. Medicare Advantage plans are HMO’s, PPO’s or Private Fee-for-Service Plans. Unlike Original Medicare, Medicare Advantage Services are paid by private insurance companies, not Original Medicare.


Long Term Care – LTC insurance pays benefits when an injury or illness necessitates extended care in a variety of circumstances.  The financial assistance provided saves an individual from having to depend on their family for continuing care or financial assistance. It provides professional care from licensed care-givers at home as well as in many types of care facilities. This valuable coverage can make the time with loved ones more enjoyable and less stressful.