PROTECT THOSE WHO ARE IMPORTANT TO YOU -- YOUR ASSETS --YOU AND YOUR FAMILY

who provide service to the clients' changing

insurance needs by conferring and

customizing insurance programs to suit

the individual client, often covering a

variety of risks.

Make It Yours

UNIVERSAL LIFE

Permanent insurance with coverage for life.   Universal life insurance also contains a cash value that grows tax-deferred until funds are withdrawn—available with or without  **Living Benefits or Long Term Care

WHOLE LIFE

Comprehensive life insurance coverage with permanent protection and guaranteed cash.

TERM

Competitively priced life insurance coverage for a specific period; with or without **Living Benefits

FINAL EXPENSES LIFE

Permanent protection that can help cover expenses such as final medical bills and funeral costs with guaranteed cash value.

LONG TERM CARE

Helps protect against the high costs of long term care expenses when you are unable to perform Activities of Daily Living or have a severe cognitive impairment.

“Your company is the greatest. I can’t imagine anyone living without you.”  - Very smart customer

**Living Benefits

•Replace lost income

•Help pay medical bills or deductibles

•Cover cost of assisted-living care

•Pay for once-in-a-lifetime family trip

CRITICAL ILLNESS

Means that the insured has been diagnosed with a health condition—heart attack, stroke, cancer, etc.

CHRONIC ILLNESS

Means the insured is unable to perform at least two of the six activities of daily living without substantial assistance from another person for a period of at least 90 days

The insured is diagnosed (after policy date or date of issue)

with a bodily injury or disease which has reduced life expectancy to within 12 months.

Licensed in Florida and Alabama

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