TAKING CARE OF YOUR FUTURE FOR PEACE OF MIND TODAY

Life insurance specialists have the knowledge and understanding to help you find the right insurance for you and your needs. Some of the services we can help you with include:

Life insurance protects your family from the risk of financial ruin. It provides your dependents with the necessary funds to settle your financial obligations, such as mortgage and education and to cover the loss of income created by your death. Buying a life insurance policy shouldn't be difficult. It is really about choosing what is right for you. Mike will take the time to get to know you and help you decide what is best for you and your family. Mortgage Life Insurance Covers a specified amount or the balance of your mortgage. This plan will follow you and your mortgage as you move from bank to bank. Why not compare your current plan with what we have to offer? You may be glad you did!

Key Person Life Insurance Is a type of business life insurance used to insure a company's financial loss when a person vital to the organization's success dies. Why have key person life insurance? Here is just one example:

Let's say there's a factory manager who knows everything about the methods of manufacture, how the machinery works, is liked by the employees and generally makes production occur. If he should die, what would be the financial loss (not even mentioning the emotional loss) to the company? It could be substantial.

Group Benefits Plans come in many shapes and sizes. These plans are tailored to what you, as the employer, are looking to

extended health, dental, short-term disability, long term disability, critical illness and dependent life insurance.

Extended Health & Dental is a private plan available to employed and retired individuals who do not have access to group coverage. This plan helps with health and dental costs and will give some travel coverage as well.

Critical Illness Is an insurance plan that pays out a guaranteed cash sum if you're diagnosed as suffering from a specified critical illness. Advances in medical science mean the chances of surviving a critical illness are improving all the time. The cash sum you'd receive from a critical illness plan could help you through the recovery period.

Long Term Care We are all living longer and most of us look forward to long and active retirements. But with longer life expectancy comes the increased possibility we will need help or care later in life. Long Term Care is not necessarily medical care but rather “custodial care.” Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired..

Disability Insurance If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income? Disability insurance replaces your income when you are unable to work as a result of accident or illness. There are many choices in a disability policy. They include disability coverage for personal income, business expenses accessed through a group benefits plan from work or they can be purchased privately.

Life insurance funding for business

• buy/sell agreements
• loans or mortgages