Whether it is personal or business needs, we offer broad expertise and a professional approach. Business needs might include planning for business continuation, key-man insurance or executive benefits. Personal need includes income replacement and/or estate preservation. We have the knowledge and ability to work closely with attorneys, accountants, and trust officers.
Whether clients are in excellent or impaired health, or have other underwriting issues, we help shepherd them through the underwriting process and help obtain the best possible rate for the coverage they seek.
We represent leading life insurance carriers that sell competitive products for Term, Universal Life, Survivorship, Whole Life, and Index products. However, one central tenet we hold is that each situation is different and there is no one-size fits all solution for life insurance. We would be happy to meet or talk with you, so that we can discuss your situation, and offer our knowledge and experience.
LONG-TERM CARE INSURANCE
We represent many leading long-term care insurance carriers. Long Term Care helps provide for the cost of long term care costs beyond what is regularly covered by insurance, Medicare or Medicaid. For groups and businesses, we assist in the purchase of group long-term care insurance. We would be happy to discuss long term care options and help you navigate through the myriad of features that long term care carriers offer.
We represent many leading companies for long-term disability insurance. As with all types of insurance, there are different definitions and features that a disability policy may offer. We would be happy to introduce you to the many features and options. For businesses, we also represent carriers that offer competitive New York statutory disability short-term disability insurance.
We represent several carriers that offer competitive fixed Multi-Year Guarantee Annuities and Single Pay Immediate Annuities (SPIA).
FRINGE BENEFIT PLANNING
May include employer-paid benefits, voluntary benefits, and special executive benefits. Examples of executive benefits are deferred compensation and split-dollar arrangements.
For groups and businesses, we offer assistance in the purchase of group life, medical, disability and long-term care insurance.