Families & Individuals


Your Family is Unique - Is Your Financial  Plan?

Whether you are single, married, have a family, or are enjoying your retirement years, there are life insurance products designed to meet your unique needs.

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Estate Plan

Spares Heirs A Big Tax Bite. Estate planning is all about protecting your loved ones, which means in part giving them protection from the IRS. Essential toestate planning is transferring assets to heirs with an eye toward creating the smallest tax burden for them as possible.



Retirement Income Planning

Importance of Retirement Planning is crucial because it identifies your sources of income and expenses and establishes your retirement budget, based on your personal plan.




Designing a plan to preserve the quality of our lifestyles, both during and after our time here ends, is a cornerstone of a complete retirement plan.  Life insurance has evolved powerful new features, called Accelerated Living Benefit Riders, to protect the policy owner during their lifetime now as well.  Life insurance is no longer just for our loved ones after we pass, it is an integral part of how we protect your retirement from numerous concerns.  No plan is complete if it does not address the potential impact of critical illnesses, the crippling costs associated with a loss of independence (need for assisted living), or the consequences of a premature demise.