Disability insurance may be the last thought in the life of a busy business owner and who can blame them, right?

Business owners know the challenges of operating a business. Employees, customers, and venders are an ongoing concern. Businesses need to manage employees and make payroll. Sales and marketing breathe life into the company, grow profits and reward business owners. These things are all important.

The individual that is often responsible for making all these things possible is the business owner. This is the person that knows all the details of the business. They know what it takes to run the business. They know the ins and outs. From great to small, the business owner is as valuable to the business as the business itself.

This is why it is often the case that when a business owner dies, (or worse) becomes disabled, the business dies with them.

A business owner that can’t work is a bad thing for the business and everyone that depends on that business. The ability to make payroll can weaken. Suppliers, venders and lenders may get worried about the ongoing concern of the business and its ability to meet its obligations.

In a short time the business may crumble without its leader, without financial support.

And that is what disability insurance does so well. It provides a financial safety net when it is need most, when the business owner is unable to work due to a disabling condition.

Disability insurance is made for times like these. It pays employees to keep working. It lets others know you won’t default on your obligations. It turns on and powers equipment for the business. It pays the utility bills. It keeps the business running like a business so that you can focus your health.

Sidenote: People may have a hard time wanting to think about disability, but the reality is that disability does not have to mean a worst-case scenario to be affected. For purposes of disability insurance, disability means that you cannot do your job because of an illness, injury, accident, or mental impairment. Practically anything that happens to you that prevents you from working may be considered a disability for insurance purposes. The disability does not have to be a lifelong disastrous situation. A person can be temporarily or partially disabled for insurance purposes (unable to do their job), however, and still be compensated with disability insurance proceeds.   

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Take stock in what you have today—your home sweet home, your college-bound spelling bee champ, and the dreams you and your spouse share for retirement. Enjoying life’s special moments should be pure and worry-free. Determine the amount of life insurance you need to protect what you cherish most, your family and the future you envision for them.

Get the right amount of coverage. Make sure what you have today
and the dreams you share with your loved ones is protected and attainable in the future. Evaluate your financial obligations and consider what you want covered without disruption in the event of your untimely death. Do your research. Speak with a licensed agent online or by phone to make an informed decision.

Lock in your rates today. Time seems to pass in a blink of an
eye. Take advantage of low rates the younger you are. Life
insurance rates increase with age and by health class.
Don’t delay. Go online or make the call to your preferred life
insurance provider. Find out how simple and cost-effective life
insurance is today.

Feel satisfied knowing your family is cared for in the future.
There’s no sense waiting another day. Start the process and find
the policy that is right for you. It’s convenient and there are many options to choose from to match your needs. There’s no better time than the present to take the next step. Enjoy peace of mind that comes with life insurance protection.


Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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Life insurance protects your family’s financial future. Make sure you have the right amount of coverage to support and protect your family’s financial responsibilities.

Many families are underinsured. Group life policies generally
provide a fraction of the coverage you may actually need for
income replacement and covering ongoing living expenses, including
child care, tuition, medical expenses, the mortgage and
more. If you have life insurance through your employer, you
may be underinsured.

Term life insurance is affordable. You’ll find that term life insurance
offers reasonable rates often with policies that have a larger
face value than what most young families could otherwise afford.
Paying a low monthly premium today is your family’s financial
safety net and safeguard in the event of your untimely death.

Life insurance rates increase as you age. If you are in good
health now, you have a better chance of getting a lower initial
premium. Term life is the most cost-effective basic protection
you can acquire early on and maintain over the next 10, 15, 20,
even 30 years.

Life insurance is simple and convenient to buy. Buying direct
has made buying term life insurance quick and easy. You can
shop for the policy that is right for you and buy direct from
the comfort of your own home, on your own time. Customer
support and access to a licensed agent by phone or on the Web
should always be available to you.


Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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Value. Many direct life insurance agencies offer a variety of valuable resources and represent many insurance companies so that you can compare carriers, products and monthly premiums to suit your needs and preferences for term life insurance.

Convenience. The day-to-day grind can be hectic, but now with the conveniences of contacting a direct seller of life insurance by phone or online, a licensed agent can help answer your questions and match you with the best policy.

Service. When you buy Term Life direct, you benefit from
working with an agency that has centralized resources—one
place to call, one company to guide you and advanced technology to help you move through the process seamlessly. Direct sellers aim to make the process easy for you, taking extra care to streamline the steps and information needed to apply, obtain a medical exam, and underwrite a policy for you.

Quality. Since direct sellers represent many highly-rated insurance carriers, you get the benefit of comparing competitive quotes from leading insurance companies. Your term life policy comes from the insurance company directly. Selecting a highly rated company assures you of dependable service and accountability for years to come.


Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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Consider term life insurance. There are various options to consider based upon your personal needs and future financial goals. When looking for life insurance, compare the benefits of term life and permanent (whole or universal) life insurance.

Protect yourself when you need it most. If you are married with kids, have a mortgage and other accrued debt, you can protect your family’s financial well-being for the next 10, 15, 20, even 30 years with term life insurance.

Set aside your savings and invest wisely. Using term life coverage
as pure risk protection can offer you more flexibility for investments and real-world financial commitments today.

Enjoy the freedom to invest what you would normally pay in permanent life premiums into other investment programs or towards everyday expenses, like your mortgage, child care or college tuition.

Term life is your best option if…

• You want maximum coverage with a low monthly payment.
• You prefer coverage for a certain period of time – 10, 15, 20
or 30 years.
• You have an investment strategy that may be more
advantageous than the long-term value of a permanent life
product.*


Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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Life is full of opportunity, important choices and responsibilities.

Marriage affirms your commitment to one another
and set a path for your future together. With a mortgage and
other accumulated debt, your financial responsibilities require
special attention. There’s child care and college tuition to plan
for, as well as retirement.

Prepare today for tomorrow’s uncertainties.

Life is not always as certain as your responsibilities. There’s a lot to carefully
consider. With growing responsibilities come timely and critical
decisions. Securing life insurance for your family is an important
way to be prepared.

Life insurance is available to you, for your family.

Buying the right amount of life insurance coverage is one of the most responsible
actions you can take as a breadwinner in your household.
Ensure you have financial protection for your family with
affordable rates available with term life.

Be rewarded with peace of mind.

Protect your family. You know that your loved ones will be cared for financially in the event of your untimely death. Life insurance can:

•Replace lost income
•Pay-off your mortgage
•Cover outstanding household or business debts
•Support ongoing and future living expenses, including child care expenses and college tuition
•Serve as a retirement fund for spouse
•Pay off medical bills, funeral costs, taxes and more.


Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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Some people are natural planners. They are always prepared no matter what happens. Others like live life in the moment. When it comes to planning a vacation or deciding what movie to see, both ways have their pros and cons.

But, when it comes to your financial future, you need to become a planner, (or get in touch with one). None of us knows exactly what is going to happen. But, if the worst were to happen and you were to pass away unexpectedly, your family will be grateful if you have planned ahead.

Life insurance is needed because in the worst case scenario you won’t be around to help them figure everything out. You won’t be able to troubleshoot.

The power of planning is that it shows your family how much you cared about them long after you are gone. In many ways planning for your future and your family’s future is the best gift you could ever give them.

Are you ready to start securing your family’s future? Contact us today and let us see how we can help you.

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One of the ways people get stuck when considering life insurance is that they are unsure how big of a policy to get.

The truth is there is no one-size fits all answer. There are guidelines, but there is no magic formula. Instead, you need to consider your unique situation. What does your family need if you are not there to provide it?

Do they need the ability to make house payments? Do they need a way to buy your share of a business? Do they need the ability to pay for childcare or health insurance?

The best way to decide how much life insurance you need is to consider what your family would need most if you were to pass away unexpectedly.

We are here to help. If you would like help in figuring out what an appropriate amount of life insurance is for your situation, give us a call or ask us in an email.

We can give you an idea of what different policies may cost and how you can structure your life insurance and your finances to make sure you have planned for the future, no matter what happens. 

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Did you know that life insurance is an important business tool?

Have you thought about what would happen if your business died tomorrow?

Is your business prepared to give your family the maximum financial security in the event of your death, disability, retirement or splitting of the business interest?


For generations life insurance has been used as a financial tool by big and small businesses.

Life insurance can be purchased for the benefit of the company should a key executive or employee pass away. It can be used to fund the transfer of a small or medium business to the next generation.

Life insurance can even be used to make sure your family can still enjoy the financial benefits of your business, even after you are no longer around to work at it.

Life insurance is a way to provide stability and financial consistency in a variety of different circumstances.

If you have questions about how a life insurance policy could benefit your business, let us know.

We would be happy to discuss your unique situation and show you the different ways life insurance may be of use to you.

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