Group Life Insurance:

Like group health insurance, group life has become a standard component in most companies' employee benefits packages. As a business owner, it is important to evaluate all of your options, and to make a decision that considers the cost as well as the best interests of your employees and their families.

Individual Life Insurance:

Universal Term Life Insurance; Variable/Whole Life Insurance, Investment, Estate Planning

TGIS provides a complete analysis of a client's financial condition and recommends steps to potentially improve it. The service provides a review of a client's retirement needs, savings requirements for children's education, retirement plan distribution options, early retirement decisions, retirement cash flow analysis and an asset allocation recommendation.

Stand-Alone Life:

This plan type provides life insurance but does not include any other coverage.

Term Insurance:

Insurance in which the benefit is payable only if the loss occurs during a specific period of time.

Whole Life Annuity:

A series of payments made on a regular schedule over the entire life of the payee.

Whole Life Insurance:

Life insurance that remains in effect for the entire life of the insured

Financial Planning/ Sales Seminars:

Analysis of a client's financial condition applies to recommendations for life-changing events. Universal Term Life Insurance, Variable/Whole Life Insurance Investment

Accidental Death & Dismemberment:

Group Term Accidental Death and Dismemberment (AD&D) offers financial protection in the event of accidental death, dismemberment or loss of sight. Coverage is available at a fraction of the cost of individual protection.

Supplemental Accidental Death and Dismemberment (SAD&D): offers financial protection in the event of accidental death, dismemberment or loss of sight. Coverage is available at a fraction of the cost of individual protection.

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