Life Insurance for Professionals

Complete Life Insurance Planning for the Individual

As an independent insurance agency, we are able to shop the marketplace for the most cost effective policy to fit your needs. Our recommended carriers change frequently and we monitor rate changes on a daily basis. We have no allegiance to any particular carrier so you can be assured of obtaining an objective quotation based on your exact health and lifestyle situations.

We only use carriers that are rated A.M.Best "A+" or better, assuring you are getting a policy from only the most financially-sound insurance companies in the industry, Whether your needs are for term life, whole life, universal life, or second-to-die life (estate planning), we can help.

Let our agents design a cost effective, custom life insurance plan based on your and your family's exact needs. We collect your complete health and lifestyle snapshot prior to providing you with a quotation, which enables us to provide you with an accurate quotation based on your specific situation.  Although obtaining your specific information upfront and pre-shopping your case (without names) prior to actually quoting your case is time consuming, in the long run it will save you time.  Many agents simply provide you with a carrier's quotation based on the carrier's best rating, without your specific health and lifestyle history, and then let you go through the exhaustive application process only to find out that you could not get the rate you were quoted.  In many cases their policy comes back with a higher than expected rating and you will be offered a policy with a substantially higher premium. This process can be eliminated by simply pre-shopping your health and lifestyle information to the company before you submit an application.

Complete Life Insurance Planning for the Business

If your life insurance needs for your business call for a Buy-Sell, a Key Person Life policy or a Loan Protection Life policy, we can help. Let our agents design the most cost effective plan to allow for the orderly transition of your business needs at the death of you or a partner. Eliminate the chaos created by an unfunded sale at death from surviving family members or partners. Eliminate the possibility of your partners' business interests being sold to a competitor. 

We also work closely with your other financial and legal advisers as to how to properly structure the ownership of your business life policies. Recent legislation was enacted that will tax the benefits from business-owned life insurance if certain IRS rules and regulations are not followed properly.