Professional Services

Individual Insurance

An organization’s life insurance program is essentially a burial benefit. A value added aspect for Plan Sponsors would be to allow us to discuss more encompassing solutions for members to address coverage gaps in the following areas:

Term or Permanent Insurance

Disability or Top Up Coverage

Critical Illness Solutions

Life and Health Conversion

Benefit Termination Options

Spousal and Dependent Insurance

Executive Insurance

Senior Management can have specific needs that cannot be met by the Employer Sponsored benefit plan. This can create gaps that would not exist with a proper risk management strategy. We can talk to key employees about the following:

Key Person Insurance

Buy-Sell Funding

Insured Retirement Programs

Individual Pension Plans

Exec. Life Insurance & Disability

Wage Loss Replacement Programs

Creditor Proofing Assets