Protect What Matters Most

Travel with peace of mind knowing you're covered for unexpected events like trip cancellations, medical emergencies, and lost baggage. Our policies offer worldwide coverage and 24/7 assistance.

Protect your belongings and liability as a renter. Our policies cover theft, fire, water damage, and more. We can help you find the best coverage for your rental property.

Get additional liability coverage beyond your existing policies. Our umbrella insurance provides extra protection for your assets and peace of mind. We can help you determine the right amount of coverage for your situation.

Protect your income in case of a disability. Our policies offer short-term and long-term disability coverage, so you can focus on recovery without worrying about your finances.

Protect your home and belongings from flood damage. Our policies cover damage from natural disasters, burst pipes, and other water-related incidents. We can help you find the best coverage for your flood risk.

Protect your personal information from identity theft. Our services monitor your credit, Social Security number, and other sensitive information. We can help you restore your identity if it's ever compromised.

Get the coverage you need for your vehicle. Our policies include liability, collision, and comprehensive coverage options. We can help you find the best rates for your budget.

Protect your home from unexpected events like fire, theft, or natural disasters. Our policies cover your home, belongings, and liability. We offer customizable coverage options to fit your specific needs.

Protect your business from liability, property damage, and other risks. Our policies are tailored to meet the unique needs of your business. We can help you find the coverage you need to stay protected.

Stay covered with health insurance. We offer a variety of plans to fit your needs and budget. Our team can help you navigate the complex healthcare system and find the best coverage for you and your family.

Keep your furry friend healthy and happy with pet insurance. Our policies cover accidents, illnesses, and routine care. We offer customizable plans to fit your pet's specific needs.

Term Life Insurance covers you for a set number of years before it expires. If you die before the term is up, the set amount of money (death benefit) is paid to your designated beneficiary.  

Whole Life Insurance is a permanent life insurance policy because there is no expiration. There's a death benefit and cash value, which is a tax-deferred savings account included in the policy. The cash value accrues interest at a predetermined fixed rate. Monthly, a portion of the premium goes to the cash value in the policy.

Universal Life Insurance builds cash value, just like a whole life insurance policy. Premiums paid go toward both the cash value portion and the death benefit. Policyholders can change the premium and death benefit amount without purchasing a new policy. 

Variable Life Insurance is similar to whole life insurance where they both have a cash value; it is the function of the cash values that are different.

With a whole life insurance policy, the cash value component is a savings account. That’s why, although the growth might be small compared to other investment options, there is a guaranteed minimum rate. It also includes dividend payments from the life insurance company.

Simplified issue policy provides you with life insurance without the

 medical exam.

Although the medical exam is skipped, a health questionnaire still needs to be filled out. Depending on the answers, the insurance company will review and approve, decline, or possibly request a medical exam depending on certain answers. There is a limit size on policy amount for simplified issue.

 Final Expense Insurance is a different policy than life insurance. It is unique in that it covers costs that are associated with your death, whether it is medical costs, a funeral, or cremation—basically all costs and expenses are accounted for towards the final expenses. It is usually only issued to persons of a certain age, and the policy is valid up to a

 certain age.

 Guaranteed Issue Life Insurance forgoes the medical exam. Additionally, any questions regarding your health are waived. As long as you can pay the premium, the insurer will cover you. Information that they will ask to be provided is your age, sex, and state of residence. 

Accident and sickness insurance offers income protection that replaces your income if you are unable to work due to injury or illness. This allows you to cover monthly bills until you are back at work. Accident and sickness insurance helps pay the bills if you experience illness or have an accident that leaves you unable to work for a specific period. It can provide up to 70% of your income every month, enabling you to maintain payments on bills, keep you current, and maintain nearly the same quality of life without becoming overwhelmed by debt.