Life Insurance For Dentists

Complete Life Insurance Planning For The Individual

As a truly 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 as they continually adjust their rate structures.  This is something that we monitor on a daily basis.  We have absolutely no allegiance to any particular carrier. 

Let our experts design a cost effective custom life insurance plan based on you and your family's exact needs.  Since we collect your complete health and lifestyle snapshot prior to providing you with a quotation we are able to provide you with an accurate quotation based on your exact health.  Most agents simply provide you with a carrier's best rating then let you go through the exhaustive application process only to find out that you could not get the rate you were quoted and then offer you a policy with a substantially higher premium.  This is really a "Bait & Switch" technique that lures you into taking a policy that the agent would have known you would not qualify for had they known your health and lifestyle history up front. 

We only use carriers that are rated A.M.Best "A+" or better assuring you are getting a policy from only the most financialiy 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.  

Complete Life Insurance Planning For The Business

If your life insurance needs for your business call for a Buy Sell policy,  a Key Person Life policy or a Loan Protection Life policy we can help.  Let our experts 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 interest from being sold to a competitor. 

We also counsel your other financial 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.