Life Insurance for the individual or multi-life, fixed or variable, all has been carefully scrutinized to gather companies that offer excellent pricing and features at all ages. Unique product niches are carefully designed to provide the most competitive rates for each underwriting circumstance whether it be smokers, preferred smokers, nonsmokers, preferred nonsmokers, and substandard underwriting.
Annuities are offered from carriers with the highest ratings available and designed with high current fixed interest rates and short surrender charges for both the qualified and non-qualified marketplace. The array of annuity products includes immediate or deferred, fixed as well as indexed and rated annuities for the medically impaired.
Long-Term Care products are offered with the maximum in policy design and features. Plans include Home Health, Nursing Facility, or Comprehensive care with benefits such as guaranteed renewable for life, bed reservation, no prior hospitalization required, ambulance service, return-of-premium rider, inflation guard rider, guaranteed purchase option rider and spousal discounts.
Income Protection policies are offered for people with varied incomes. Policies include non-cancelable or guaranteed renewable premium rates and conditionally renewable to age 75 if working full-time. Residual benefits, recovery (return to work) benefits, future insurability, COLA riders, own occupation extensions, social insurance offset, and supplemental monthly benefits are just a few of the features available.