Insurance Options

Disability Insurance 

An Individual Disability Income (DI) insurance policy helps protect your most valuable asset - your ability to work and earn an income - if you become too sick or hurt to work.

Tax-free benefits when premium is paid with after-tax dollars.

Your policy provides a monthly benefit if you become totally disabled.

If you are disabled under the terms of the policy, you begin receiving benefits one month after the elimination period is satisfied.  If you remain disabled, benefits are provided through your benefit period, which is the length of time you can receive benefits if you are disabled under the terms of the policy.


No Cost Riders Available:

Benefit Update

Capital Sum Benefit

Future Benefit Increase

Presumptive Disability

Supplemental Health Benefit


Cost Riders Available:

Catastrophic Disability Benefit

Cost of Living Adjustment (COLA)

Extended Total Disabilty Benefit

Regular Occupation

Residual Disability and Recover Benefit

Short-Term Residual Disability Benefit

Transistional Occupation

Life Insurance 

Individual Life Insurance can help you protect your family in the event of your sudden and unfortuante death. Often people forget to remember that student loans are not forgivable at death, so the cost burden associated with those is often passed on to the family members. 


Term Insurance 

Has a 10,15,20, or 30 year time span

Usually cheaper than permanent, but only lasts for a specified duration

Conversion options 

No cash value accumulation

Policy Expiration at Maturity 

Allows younger individuals to stash more money away in investments and goals while still having coverage


Permanent Insurance 

Carried throught your lifetime

Offers a cash value component 

Can grow with interst rates or investments

Offers the ability to pay out of Policy Cash Value 

Flexible Premium and Death Benefit Options 


Disability and life insurance has exclusions and limitations.  For costs and complete details of the coverage, including riders, please contact us.