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Individual Benefits


Life & Disability Insurance


Life insurance may be one of the most important purchases you’ll ever make, yet recent surveys have found that only 1 in 4 are covered appropriately. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more. Life insurance is very affordable, yet no one can afford not to have it.

The truth is, it is always a struggle when you lose someone you love, but your emotional struggles don’t need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself. Life insurance is an important part of your estate planning and provides tax free income to your heirs. Our experienced consultants will help you determine the right type of life insurance for your needs whether it be term, whole life or other.


Your most important asset is not your home, your car, your jewelry or other possessions; it is your ability to earn a living. Think about it; all of your plans for the future, from buying a home, to putting your kids through college, to building a retirement nest egg, are based on the assumption you will continue to earn a paycheck until you retire. What would happen if those paychecks stopped? Disability provides an income to you and your family if you are unable to work because of illness or injury.

For many, a sudden interruption of income could have serious financial consequences. Most of us have some kind of personal debt such as a mortgage, an auto loan or credit cards. Would you be able to maintain your standard of living if you were to become ill or injured? Nearly half of all home foreclosures in the United States result from disability, as do an alarming number of personal bankruptcies. Generally a disability is accompanied by medical bills and other related expenses. When you couple this with the inability to work for an extended period of time, it can be a recipe for disaster.

For all these reasons, almost anyone who works, whether they’re single, married, with children or without, should consider disability insurance.



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