Personal and Family Insurance

Auto Insurance

Generally speaking, there are 4 parts to an auto insurance policy. It is a good practice to review and understand your coverages, so you know what you can count on if an accident were to happen.

  1. Liability to others
  2. Protection from others who are NOT insured or sufficiently insured
  3. Protection for your car
  4. Additional coverages

Homeowners Insurance

The standard homeowners insurance policy covers:

  • The structure of your home
  • Personal belongings
  • Liability protection
  • Additional living expenses –for an insured loss

Flood is covered only through the National Flood Insurance Program, it is not included in your homeowners policy.

Request a homeowners insurance quote today.

Individual and Family Medical

Affordable Care Act (ACA) compliant plans as well as affordable health insurance alternatives.

  • Traditional plans that meet the government requirements
  • Alternative plans that provide substantial medical benefits (non-ACA plans) at lower costs
  • Dental, vision and accident (indemnity) plans

Medicare Plans

For individuals 65 years of age and older or disabled; eligible for Medicare Part A and Part B.

  • Medicare Supplements
  • Part D Plans –prescription drug plans
  • Medicare Advantage Plans –with built in RX (Part D)
  • Special Needs Plans -for Medicare recipients with certain chronic conditions

    Life Insurance and Long-Term Care

    Protect your loves ones and family assets. Create a legacy for what matters to you.

  • Term Life –usually more affordable, no cash accumulation.
  • Universal Life –higher premium, permanent coverage with cash accumulation.
  • Long-term care riders (add-on) available.

Retirement annuities

Insure your future income with a fixed or fixed-indexed annuity

  • Retirement plan transfers or rollovers
  • May also open with non-qualified (after-tax) money
  • Fixed interest rate or pegged to an index
  • Principal is guaranteed by insurance company

5 year period, with 10% access per year is often used

International Life Insurance

For international clients, non-U.S. citizens/residents or U.S. citizens/residents living overseas.

  • Must have a financial connection to the U.S.
  • Application must be completed and signed in person in the U.S. or its territories

Term or universal life coverage

International Medical Insurance

Long-term or short-term international medical policy

  • For non-U.S. citizens residing in the U.S. or overseas
  • For U.S. citizens visiting or living overseas
  • Covers hospitalization, emergencies, prescription drugs, repatriation and emergency evacuation; medical or political instability.
  • Worldwide coverage

    Let ‘s find coverage that fits your needs

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