We all experience emergencies in life at some point or another. When you experience such a need and require emergency room care, a health insurance policy is essential. The rates for emergency room visits compared to a standard doctor visit are substantially more and often require additional testing. Having a health insurance policy can provide a sense of security that is reassuring during an emergency. Visiting your regular doctor and specialized doctors are also covered under a health insurance policy, taking on the majority of the cost for your benefit. Whether you are visiting for a check-up or going for an illness, you can visit your doctor as much as needed. Also, if you have prescriptions for an illness or daily medicines, expect your medication to have partial coverage as well through your health insurance policy.


Do you currently have a life insurance policy? Will it cover all your expenses when you pass away? Will your family be able to cover it, or will they be financially burdened? Once you pass away, your personal expenses and debts become the responsibility of your family members. Your life insurance can be used to cover a variety of monetary expenses that will prevent your loved ones from becoming financially responsible. Protect your family with a life insurance policy today.


Term life insurance is a type of life insurance policy that is in effect for a limited time, such as 30 years. It pays a death benefit if you die during the term of coverage. It's designed to protect those who depend on your income or the services you provide in case you pass away while people are counting on you.


Universal life (UL) is a form of ``permanent`` life insurance, and is designed to provide protection for long periods of time, typically for the entire life of the person. Permanent life insurance also has a cash value, or savings component, from which money can be accessed by the owner of the policy


Individual Plans
• Health
• Dental & Vision
• Short Term Medical

Medicare Supplements

Medicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Medicare health insurance coverage. These policies help pay some of the deductibles, copayments, and coinsurance shared costs that are built into Medicare.

Trip/Accident Coverage

A travel insurance policy could end up saving you thousands of dollars or, in more extreme cases, saving your life.


Whole life is a type of life insurance contract that provides insurance coverage of the contract holder for his or her entire life. Upon the inevitable death of the contract holder, the insurance payout is made to the contract’s beneficiaries. These policies also include a savings component, which accumulates a cash value.

Fixed Annuities

- A fixed annuity is an insurance contract that guarantees the insurer will pay the purchaser a fixed interest rate on their contributions to the annuity for a specific period of time. Fixed annuities are lower risk than variable annuities, which determine interest rates depending on the performance of the underlying investments.

Long Term Care

Long-term care insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision.