Individual insurance services.

We provide comprehensive services to key executives, high net worth individuals and their families, and other select individuals. These services are normally performed on a fee basis. Areas covered include, but are not limited to:

Life Insurance
Our financial planning group will review all existing life insurance policies to ensure adequate coverage in the event of a death. We understand the importance of sufficient coverage, therefore both family and estate planning needs are considered.

Disability Insurance
In our opinion, disability insurance is the most important type of insurance other than medical insurance. When you stop working because of a sickness or injury, you need to ensure that your income stream doesn't stop. Adequate coverage is a must. Existing group and individual plans are reviewed and recommendations are made for any additional coverage.

Long-Term Care Insurance
Long-term care insurance provides protection in the event of the loss of two or more activities of daily living. If you or a loved one (such as a parent) needs nursing home or professional home care, this type of policy provides protection. Benefits can range from $100 per day to several hundred dollars per day. Coverage such as this saves you and your family from depleting existing assets to pay for this type of care.

We offer comprehensive estate planning through our in house team of CPAs, CFPs and advisors in conjunction with your attorney. If life insurance is needed to protect your estate, we have unique methods of purchasing this protection, which can greatly reduce your out-of-pocket cost.