Risk Management through Life, Long Term Care, and Disability Insurance must be the core foundation before structuring a financial plan. The ability to raise our children, provide a home, family vacations, college education, ensure a comfortable retirement, are all possible when insurance protection is the first brick set in place. The solution to managing risk and utilizing the most efficient products can be found through realistically addressing these questions:

1. What is my risk?
2. Can I afford to ignore the risk and accept the consequences?
3. If I choose to transfer the risk what will be the cost?
4. Do I have a concise understanding of the products and companies available that will accept the risk?

Our Products

• Life Insurance
• Term
• Whole Life
• Universal Life
• Variable Life
• Survivorship Life
• First to Die

Long Term Care Insurance

• Qualified Plans
• Partnership Plans - As of April 1, 2005 any agent who intends to market a NY Partnership LTC product must be certified. We have a number of agents whom have passed the certification process and are available to discuss the differences in the available plans.

Disability Insurance

• Individual Disability
• Business Overhead Insurance
• Key Employee Disability Plans