Products & Services

INSURANCE & FINANCIAL PLANNING


IDENTITY THEFT PROTECTION


Identity Theft Protection Plans for families and minors, credit monitoring and restoration.


Cyber Security Plans.


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LEGAL ACCESS PLAN


Minor to catastrophic events, 24/7 access to an attorney everywhere.

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TRADITIONAL INSURANCES

Life Insurance with Living Need Benefits

   Term 10, 15, 20, & 30 years

    Traditional Whole Life

    Universal Life

    Index Life

Health Insurance

    Individual / Family

    Group Health

    International Travelers (visitors) or Immigrants’ Medical Insurance

Disability Income

 Income Replacement (Short Term / Long Term)

    Business Overhead Income

Supplemental Plans

   Cancer

    Accident

    Critical Illness (Heart Attack, Stroke, Cancer)

Dental / Vision


RETIREMENT PLANNING

We can assist you to make the best use of your retirement funds whether you need to leave a legacy or you are working to create a steady stream of income for your lifetime in your future. Or both.

In addition to steps which you already have taken, here are some of the concerns and interest of most individuals who like to plan for retirement : –

1) Take Complexity Out Of Retirement

(2) Will HealthCare Cost Impact Your Retirement? 

(3) Understanding Social Security & Medicare 

(4) ABCs Of Annuities / Retirement Realities


ESTATE PLANNING

Last Will & Testament

      Living Will/Health Care Power of Attorney (Remember Terri Schiavo case during mid 90’s? – just google)

          General Power of Attorney

Trusts


Products for SENIORS

Long Term Care

      Medicare Supplements

      Medicare Advantage Plans (at Zero premium)

      Stand Alone Rx Plan

      Senior Life

      Legacy Planning

      Dental


BUSINESS INSURANCE PLANNING

Group Health Insurance

     Key Person Plan (old fashioned “Golden Handcuff Plan”

Voluntary Employee Benefits (at no cost to business)

      Section 125

      Business Continuation Insurance (Funded buy & sell Agreement) 


MEDICAL INSURANCES

Over the past three decades, we have designed these benefits for an individual, family, and for employers to meet these crucial needs of their employees on a fringe or volunteer basis at no cost to their businesses. 

We love to meet with you to ascertain your needs to do justice with plan design.

Here are links where you can get quotes and enroll online, without meeting anyone (if you like) :-

(1) If you are in between times, waiting to be covered under regular health insurance via marketplace (which opens up on Oct 1st and ends on Dec 15th every year), you can design your short term health insurance coverage until the market opens up.  Click Here to get Health Insurance quotes and enroll online.

(2) For Hospital Indemnity, TriState (three year term medical coverage) Dental Vision etc, click here

(3) For Marketplace to get quotes and enroll during Annual Enrollment  OR Special Enrollment (if you have qualifying events) click here

(4) For International Visitor or Immigrant Health Insurance please click here


EMPLOYEE BENEFITS

Life, Health & Voluntary Employee Benefits