Life Insurance

Term Life -  Can provide at very low cost coverage for that time period when you have considerable obligations such as college, mortgage, and raising young children.

Provides:

• Income protection
• Excess over group/company provided benefits that can be inadequate  for highly compensated individuals

Offers:

• An extensive choice of low cost term insurers with a good aproximation of who works out based on health, and length of time insurance will be active (10, 15, 20 etc. years)

Permanent Life (Cash Value) - Often used to protect against the considerable impact of estate taxes and other life long needs.

Disability Insurance

This is especially valuable for younger people who have a lifetime of earnings ahead of them and are either self-employed or have a considerably higher income than is provided for by group insurance. Here income is everything. Protect it!