Personal Auto Insurance

• auto/home combination
• multiple vehicles
• accident/violation free
• airbags
• automatic seat belts
• anti-locking braking system
• anti-theft device
• over age 55 driver safety training
• high school driver training
• good student

Collector Vehicles or Collectibles Insurance

As an independent insurance agency, allow us to help you sort through the maze of coverages and companies in the market today. We can tailor an auto insurance package to suit your specific needs and budget.Our auto coverage will provide liability for an accident and can take care of you and your car if it is damaged or stolen. Other options are available to provide peace of mind and additional protection. We provide dependable coverage with outstanding service at a fair and competitive price.

• Classic Car Insurance—Agreed Value coverage for collector and antique cars, trucks and motorcycles (any year) may qualify. We also offer competitive rates for modified cars (street rod, hot rod and other customs).
• Collectibles Insurance—Typically standard homeowner’s insurance policies do not cover collectibles. This optional coverage can provide specialized insurance for your specialized collectibles.

Homeowner's Insurance

• auto/home combination
• smoke detectors
• higher deductibles
• new home
• home monitoring systems

Renter's Insurance

Protect your personal property inside your apartment with renter's insurance. A renter's insurance policy provides broad coverage for your contents and includes important personal liability protection. Select your coverage limits, deductible, and liability coverages for your personalized package. And don't forget replacement cost coverage on your contents, including valuables like jewelry, coin and stamp collections, silverware, antiques, and computers.

• auto/renter's combination
• smoke detectors
• higher deductibles

Life Insurance

Life insurance provides financial protection for you and your family. It is used to cover debt obligations (mortgages, home equity loans, car loans, credit card debts, etc.) and provide cash flow in the case of an unexpected and premature death of one or more of the family breadwinners. Life insurance comes in several forms and can also be used for estate planning purposes. Forms of life insurance include term, universal, variable universal, and permanent.

• lower initial cost
• protection for a specific time period
• covers a specific need
• option to include income stream
• option to convert to permanent life insurance

• flexible premiums
• flexible coverage amounts
• flexible term
• guaranteed interest rates in a tax-deferred vehicle
• opportunity to accumulate cash value
• access to cash value

• same benefits as universal
• investment subaccounts (mutual funds) to accumulate cash value

• policy guarantees
• protection for your entire life
• access to cash values
• higher initial premium
• tax-deferred vehicle with guaranteed interest rate

Health Insurance

Health insurance provides financial protection against a catastrophic medical expense. You can tailor a program of comprehensive major medical coverage to include networks (PPO's) or traditional (any provider) plans. You select your deductible, coinsurance, and options for yourself and family including maternity, prescription drug card, dental, accidental medical expense, and a Health Savings Account (HSA) for the self-employed. Group plans are available for two or more employees.

Disability insurance replaces lost wages due to a long-term health condition that prevents you from working and earning wages. Provide for your family with the disability insurance needed to continue paying your everyday living expenses. Select your level of income, deductible period, term of benefits and options.

Long-Term Care Insurance

Long-Term care insurance can encompass nursing home and home health care protection. With the cost of nursing home care exceeding $75,000 annually, life-long savings can be depleted in short order. Nursing home and home health care insurance can supplement one's income to pay the full costs associated with a nursing home or home care stay. You can tailor a package of care to provide for a nursing care and/or home health care protection. Choose from many options including daily benefits ($50 - $500), length of coverage (1,2,3,4,5,6 years, or lifetime), elimination/deductible period (0,7,20,30,50,60,90,100,180 or 365 days), inflation protection (none, 5% simple or 5% compound increase), and home health care benefits.

Individual Retirement Accounts (IRA's)

Individual Retirement Accounts (IRA's) are available to any employed or self-employed person who receives earned income or compensation. Contributions to an IRA may reduce your taxable income and earnings may accumulate tax-deferred. The principal and interest of your IRA are not taxable income until they are withdrawn, usually upon retirement or mandated by the IRS after age 70 1/2. Early withdrawals (prior to age 59 1/2) may incur a 10% penalty.

Annuities

Annuities are insurance company products. They are an investment vehicle used to provide an income stream at some future date. You may make a lump-sum contribution or periodic contributions over time to the annuity. You select the future date when the annuity's principal and interest are repaid to you. Annuities are popular investment vehicles for IRA's, allowing income to be paid in the future over several years, thus reducing the tax impact.