We help protect you against dying too soon and the real possibility of living too long...

We provide strategic and innovative life insurance planning for both businesses and families. This includes life settlements, structured settlements, estate planning, and business continuation strategies.

We also provide fixed annuities and long term care insurance not only as an asset preservation tool, but to help families plan against the very real possibility of outliving their money.

In addition, we provide income protection (disability insurance) on an individual or group basis and group health insurance.

Tax-Deferred Savings
Compare the potential future value of tax-deferred investments to that of taxable investments.

Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.

Impact of Inflation
Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Estate Taxes
Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

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Finding a Good Time to Invest
When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

Protection from a Range of Liability Claims
It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

Using Living Benefits for Retirement Income
Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

HOT TOPIC: Looking Ahead in 2012
2011 was a year of slow economic recovery, market volatility, and political conflict over the budget, the national debt, and taxes. All of these challenges continue to face us as we begin the new year. This article presents an overview of some of the issues that bear watching in 2012.

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