Products

With the variety of life insurance and financial products we provide, we can help you meet a number of business and financial needs.

Please review the full range of products and to help you fully analyze your needs and recommend appropriate solutions.

Life Insurance - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out – or for someone who's starting over.

You can use the articles on this page to learn more about the various types of life insurance that are available.

• Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.   
• Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.    
• Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.    
• Variable Universal Life#
• Survivorship Life - Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments. 

Annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges.  Early withdrawals may impact annuity cash values and death benefits.  Taxes are payable upon withdrawal of funds.  An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½.  Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association.

With fixed annuities, both the money you invest and the interest paid out are guaranteed by the claims-paying ability of the insurer.  Investments in variable annuities will fluctuate and values upon redemption may be less than the original amount invested.  Investors should consider the investment objectives, risks, charges, and expenses of an a (fixed/variable) annuity carefully before investing.  Prospectuses containing this and other information about the annuity are available by contacting your registered representative.  Please read the prospectus carefully before investing to ensure the (fixed/variable) annuity is appropriate for your goals and risk tolerance.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

You can use the articles below to help you learn more about which annuity might be right for you.

• Variable Deferred Annuities
• Fixed Interest Deferred Annuities - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.

Immediate Lifetime Income Annuities - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

Investments - We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

Long Term Care Insurance - Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

Other Products - Other products, such as Disability Income Insurance, Individual and Group Health Insurance products.

Need a little help in deciding which products would be right for you and your family? Please do not hesitate to for additional information. We can help you analyze your needs and recommend appropriate products.