If your current paycheck was the last paycheck your family ever received, would they be okay? How would they pay the mortgage, daycare, and education expenses if your income is gone? How would they manage the cost of daily living, medical expenses, and entertainment?   These are just a few of the questions one must consider when responsibly planning for the future.  How much do I need is just as important as how much can I afford when making these plans with your spouse?   To ignore these questions greatly jeopardizes your family’s well-being. Life insurance and Disability premiums have never been lower.

It is important to at least review what needs you have and what goals you wish to obtain.

Pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

Offers income protection to individuals who become disabled for a long period of time, and as a result, can no longer work during that time period.