Risk Management

We have negotiated service agreements with companies such as Midland National Life, Pacific Life, Hartford Life and Allianz, among others, to ensure that we have access to the appropriate product lines to enhance our clients' portfolios.

Our philosophy is one of being conservative in essence, while always being alert for opportunities for growth.

As such, we have developed processes designed to help grow our clients' assets in a relatively protected environment.

Some of the basic tools we use include:

• Term Life Insurance
• Universal Life Insurance
• Indexed Universal Life Insurance
• Individual and Group Health Insurance
• Home & Auto Insurance
• Commercial Auto 
• Medicare Supplement and Advantage Plans
• Disability Insurance
• Long Term Care/Critical Illness
• Key Person Insurance
• Buy/Sell Agreements
• Business Succession
• Workers Compensation
• General Liability
• Umbrella Policy
• Estate Planning