insurance & risk management

Insurance & Risk management is the defense to a strong retirement plan

Key considerations when purchasing Long-term care & life insurance are:

  1. The duration of the need

  2. Premium budget

  3. Purpose of the need

Insurance Agent

Term Insurance

A form of temporary insurance that provides a lump-sum payment upon death for stated period of time.

  • 10yr, 20yr, 30yr

  • Annual Renewable Term

  • Return of Premium

Permanent Insurance

A form of lifetime coverage that may play an important role when it comes to retirement or estate planning.

  • Whole Life

  • Universal Life

  • Variable Universal Life