Protection-Based Planning We offer a wide array of life, health, and umbrella coverage, including:Personal Umbrella InsuranceFor individuals with more assets, excess liability (often called “umbrella”) insurance may give them more confidence that their assets are thoroughly protected. Health InsuranceSince the inauguration of the Affordable Healthcare Act, citizens are required to have some form of health care to protect them in case of an illness or injury. Life InsuranceDepending on the coverage, certain life insurance policies can provide a family financial security, a retirement income stream, and/or cash value you can use when you need it.Long-Term Care InsuranceMost health insurance plans don’t cover extended care services and Medicare only covers short stays in nursing homes or limited at-home care under strict conditions. For these reasons, many people seek long-term care insurance.Disability InsuranceDisability insurance can serve as the cornerstone of individual and business income and expense protection, replacing part of your income that you would lose should you be unable to work due to an illness or injury.We work hard to protect you and your family today so you can have a solid foundation for planning for tomorrow. Do you know what protection needs you have? We would love to chat about them and discuss the many insurance options available.