We will provide objective, professional advice on your personal insurance needs.  We can help you understand the type and amount of coverage you need so that you are adequately protected against property and income losses. We also analyze existing policies to determine if there are any deficiencies in your current insurance strategy.

Life Insurance serves as the cornerstone of any sound financial program. It can be used to provide a family with financial security, accumulate funds for a college education, supplement a retirement fund and play many roles in estate planning. Life insurance can generally be broken down into two types: term insurance and permanent insurance.

Critical Illness Insurance is designed to provide assistance to an insured who has been diagnosed with one of a predetermined number of critical illnesses and in some cases survived 30 days.  Critical Illness cover a varied number of illnesses between three (cancer, heart attack, stroke) and 22 (i.e. MS, Alzheimer's, Parkinson's, ALS, blindness, deafness, loss of speech, coma, severe burns, late onset diabetes, loss of independence.)

Disability Insurance protects the insured against financial hardship created by an inability to work due to accident or sickness. A monthly benefit is calculated as a percentage of income (typically not more than 85% of take - home pay) and is payable after disability has continued for a predetermined amount of time (called the elimination period).

Long Term Care Insurance protects the insured against care costs that arise when they can no longer care for themselves. These contracts can provide a daily benefit ($10-$300) to cover care-costs incurred in the Insured's home or in a government or private facility.