It is our goal to provide you with coverage that enables you to live the life you want to live if the unthinkable were to happen. Each of our state licensed representatives are independent brokers, and with that freedom we have the resources to provide you with endless options, the best coverage, and prices that fit your family’s needs. With the ability to shop on your behalf with over 30 top rated insurance companies that we work with, we are confident that we can customize the best plan for you and your family.

Business insurance is a type of coverage that provides financial protection to your business in case you become disabled and unable to work. This insurance can help cover the costs of running your business, such as rent, utilities, and payroll, while you are unable to generate income due to your disability.

Key person insurance, on the other hand, is designed to protect your business in the event that you lose one of your key employees. These employees are typically those who have unique skills, knowledge, or experience that are crucial to the success of your business. If one of these key employees were to pass away or become disabled, key person insurance can provide funds to help cover the costs of finding and training a replacement, as well as any loss of revenue that may occur during the transition period. Overall, both types of insurance can be important tools to help safeguard the financial stability of your business.

As a career insurance agent, you have the opportunity to provide valuable services to families and individuals by helping them plan for their future financial needs. One such service is offering funeral insurance, which can help families cover the costs of a loved one's funeral and other end-of-life expenses.

In addition to funeral insurance, you can offer a range of other insurance products and services, such as mortgage protection, term life, whole life, health, disability, retirement, and more. By offering these services, you can provide clients with comprehensive financial planning and protection, helping them achieve their long-term goals and protect their assets.

One of the biggest advantages of a career as an insurance agent is the independence it offers. You no longer have to worry about job security, as you are in control of your own income and schedule. With hard work and dedication, you can build a successful career and make a real difference in the lives of your clients. Overall, becoming an insurance agent is a rewarding opportunity for those who want to help others plan for their financial future while enjoying the benefits of being their own boss.

As a funeral home, there is a tremendous opportunity to offer preplanning services to your customers, which can help ease the burden on grieving families and ensure that their loved ones are remembered in the way that they would have wanted. By partnering with our company, we can help you capitalize on this opportunity and take your business to the next level.

First, we will work with you to review and identify your funeral home's target market. This will help you better understand the needs and preferences of your customers and enable you to tailor your services to meet their unique needs.

Next, we will hire and train new agents to help you offer preplanning services to your customers. These agents will be highly trained and knowledgeable about the latest insurance products and services, ensuring that your customers receive the best possible advice and guidance.

We will also give your agents access to more than 30 national leading insurance companies, allowing you to offer a wide range of products and services to your customers.

Finally, we will set up an aftercare program to ensure a smooth transition for your customers. This program will help guide families through the funeral planning process and provide them with ongoing support and resources after the funeral is over.

Overall, offering preplanning services is key to the future legacy of your funeral home. By partnering with us, you can take advantage of this opportunity and provide your customers with the best possible service and support.

 Final expense and pre-need insurance are two types of insurance policies that are designed to help individuals and their loved ones manage the costs associated with end-of-life expenses. While both policies have similar goals, there are some key differences between them that are important to understand.

Final expense insurance is a type of life insurance policy that is specifically designed to cover the costs associated with a person's final expenses, such as funeral and burial expenses. These policies are typically available to individuals who are over the age of 50 and are in relatively good health. They offer a lower death benefit compared to traditional life insurance policies, but the premiums are also lower, making it an affordable option for those who want to make sure their final expenses are taken care of.

Pre-need insurance, on the other hand, is a type of funeral insurance that is purchased in advance to cover the costs of a person's funeral and burial. These policies are typically purchased through a funeral home or cemetery, and the funds are held in a trust until the policyholder passes away. Unlike final expense insurance, pre-need insurance policies are designed to cover the specific costs of a funeral and burial, and typically do not offer any additional death benefits.

Both final expense and pre-need insurance policies offer a range of benefits to individuals and their loved ones. They can provide peace of mind knowing that end-of-life expenses are taken care of, and can help alleviate the financial burden on family members during a difficult time. Additionally, these policies can be customized to meet individual needs and preferences.

 Buy-sell insurance and key person insurance are two types of insurance policies that are designed to protect businesses and their owners from unexpected events that could impact their financial stability. While both policies have similar goals, there are some key differences between them that are important to understand.

Buy-sell insurance is a type of life insurance policy that is designed to provide funds to buy out the ownership interest of a partner or shareholder in the event of their death, disability, or retirement. This policy is typically purchased by business partners or shareholders, and the benefits are paid out to the surviving partners or shareholders to buy out the interest of the deceased, disabled or retiring partner or shareholder. This ensures that the business can continue operating smoothly without disruption and protects the remaining partners or shareholders from financial instability.

Key person insurance, on the other hand, is a type of life insurance policy that is purchased by a business to protect itself against the financial loss that would result from the death or disability of a key employee or executive. This policy is designed to provide financial compensation to the business in the event that a key person passes away or becomes disabled, allowing the business to continue operating without financial loss. This insurance policy can help the business cover the costs associated with hiring and training a replacement employee, and can also provide financial stability during a difficult transition period.

Both buy-sell and key person insurance policies offer significant benefits to businesses and their owners. They can provide peace of mind knowing that the business is protected against unexpected events and can help ensure that the business continues to operate smoothly even in the face of adversity. Additionally, these policies can be customized to meet the unique needs of the business and its owners.

If you are a business owner considering buy-sell or key person insurance, it is important to work with an experienced insurance agent who can help you understand the options available and find the right policy to meet your needs. With the right policy in place, you can protect your business and its financial stability for years to come.

Retirement insurance, also known as retirement income insurance, is a type of insurance policy designed to provide a steady stream of income during retirement. This policy is intended to supplement other sources of retirement income, such as Social Security benefits and retirement savings, and help ensure a comfortable retirement.

Retirement insurance is typically purchased by individuals who are nearing retirement age or who are already retired. The policyholder pays premiums over a specified period, and in return, the policy provides a guaranteed income stream during retirement. The amount of the income stream is determined by the terms of the policy and can be customized to meet the policyholder's specific needs and preferences.

There are several types of retirement insurance policies available, including immediate annuities, deferred annuities, and variable annuities. Immediate annuities provide an immediate income stream after a lump-sum payment is made, while deferred annuities provide a guaranteed income stream that begins at a future date, typically at retirement. Variable annuities allow the policyholder to invest in various investment vehicles, such as mutual funds or stocks, to potentially increase the value of their policy.

Retirement insurance policies can offer several benefits to individuals planning for their retirement. These policies can provide a guaranteed source of income, which can help supplement other sources of retirement income, such as Social Security benefits and retirement savings. Additionally, retirement insurance policies can provide peace of mind, knowing that the policyholder will have a steady source of income throughout retirement, regardless of market fluctuations or economic conditions.

If you are considering retirement insurance, it is important to work with an experienced insurance agent who can help you understand the options available and find the right policy to meet your needs. With the right policy in place, you can enjoy a comfortable and secure retirement.