Personal Benefits

Life Insurance

Offering 10, 15, 20, and 30 year guaranteed level premiums, our term life insurance plans are among the most competitive options available. insurance agency The companies we represent are among the industry's most financially stable and also offer an array of policies that provide us with the ability to offer great rates for those with or without pre-existing health conditions.


Health Insurance

Today individuals and families have challenging choices when considering health insurance plans. There are more plan designs and options available and deciding which program is appropriate for one’s family can be confusing. Whether you have an option through your employer, an individual plan or qualify for the exchange, we are here to help you make the right decision for you.


Disability Insurance

The companies we represent are among the industry’s most financially stable and also offer an array of policies that provide us with the ability to offer great rates for those with or without pre-existing health conditions.

  • Coverage for individuals
  • Individual policies are available for people in all types of occupations. Regardless of your profession, we can design a disability income policy to meet your needs and budget.

  • Protect your income
  • Disability income insurance products can provide the funds to protect your lifestyle should you suffer an unexpected illness or injury. Let us help you find a policy with strong contractual definitions, competitive features, and pricing.

insurance agency How much disability income insurance do you need? Find out using the nonprofit LIFE Foundation's calculator.




Questions and Answers


What is individual disability insurance IDI ?
  • Individual disability insurance can help supplement long term disability benefits by protecting a higher percentage of your income — or by covering income like commissions, bonuses and other incentive pay that traditional long term disability plans may not cover.
Who is eligible for IDI?
  • Individual disability insurance is designed primarily for professionals and executives. However, if your employer offers IDI, it may be available to others at your workplace.
How much income does individual disability insurance protect?
  • Individual disability insurance can protect a higher percentage of your pre-disability earnings (compared to traditional long term disability plans which typically cover up to 60%).
How long can I receive benefits?
  • The length of time you can receive benefits depends on your policy. Some policies will pay benefits until you turn 67. Others have maximum benefit periods as short as two years. You must remain disabled under the terms of your policy to keep receiving benefits during these time periods.
Can I keep this coverage if I leave my job?
  • Yes, you own this policy —
    so you always have the option to keep your coverage.


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