Our areas of practice include Individual and Business planning:
- Life Insurance
- Health Care
- Medicare Supplement
- Long Term Care
- Disability Income
- Cancer and Critical Care
- Employee Benefits
Term life is the most economical way to purchase life protection and provides a great value to those who need large amounts of coverage at lower premiums. A death benefit is provided for a fixed period of time and expires without value after the stated period. Term life works well to guarantee repayment of a loan or cover needs that will be met in a shorter period of time. Permanent life insurance is designed to be in force for the whole of a person's life and generally builds values. The premium is generally higher than term but provides security when death occurs.
How do I pick an insurance company?
Prices and coverage vary so it is a good idea to shop. Ask questions; representatives should be knowledgeable and answer your questions quickly and efficiently. Trust and financial stability is important; select a reputable and financially sound company. You should feel comfortable with your purchase. Make sure you know how to reach your agent or company when you need them.
Can I deduct my health insurance premiums on my tax return?
If you are self-employed, you can deduct your health insurance premiums. If you work for an employer who provides insurance, you cannot deduct the premium or portion of your premiums that your employer pays, only the portion of the premium that you contribute.