If it's out there, we'll find it.

 

As an independent agency, we are able to offer coverage from nearly every major insurance carrier, as well as numerous specialty carriers when necessary. If we agree that there is a need for new coverage, we will solicit quotes from multiple companies to determine where we are likely to receive the most favorable underwriting and the most efficient balance between benefit and premium.

We assist our clients in completing any necessary applications and work diligently during the underwriting process to make sure that everything that needs to be done gets done. If you've been through it, you know that insurance underwriting can take a while and is—at best—frustrating. We do all that we can to expedite the process and head off issues as they arise.

Once coverage is "in force," we are also there to service the coverage over the years to come. We make insurance part of our client reviews every few years (or as needed) to ensure that policies are performing and that any necessary changes to ownership, beneficiaries, etc. are made. Insurance policies pay trailing commissions for a reason, and we are committed to earning them.

Following is a list of the types of coverage we can offer and some of the ways we put them to use. Pardon the jargon. A big part of our job is educating clients on all of this as we go through the process.

LIFE INSURANCE:

  • Convertible Term
  • Return of Premium Term
  • Universal Life
  • No-lapse Guarantee Universal Life
  • Indexed Universal Life
  • Survivorship Life
  • Whole Life
  • Guaranteed Issue Life


CASE DESIGNS:

  • Income replacement/debt coverage
  • Estate preservation
  • Wealth transfer
  • Roth alternative ("tax free retirement")
  • Business buy/sell and succession planning
  • Key employee coverage
  • Executive benefits
  • Company-owned life insurance (COLI)

DISABILITY INSURANCE:

  • White Collar
  • Blue Collar
  • Business
  • Multi-life
  • High-limit (physicians, athletes, celebrities, etc.)


CASE DESIGNS:

  • Base coverage for self-employed or when coverage not offered by employer
  • Supplemental coverage for high wage earners
  • Business buy/sell and succession planning
  • Key employee coverage

LONG TERM CARE INSURANCE (LTCi):

  • Traditional LTCi
  • Medicaid Partnership LTCi
  • Linked-benefit LTCi (combined with life insurance)
  • LTC-leveraged Annuities
  • Multi-life LTCi


CASE DESIGNS:

  • Individuals
  • Couples
  • Executive benefits

 

300 E. 2nd Street

P.O. Box 808

Salem, Virginia 24153

540.389.6060