In addition to providing insurance and
employee benefit consulting services to small, medium and large businesses, we offer personal or individual advice
in a number of important "estate planning" areas. Generally, the first area we start in is income protection
thru the planning of Life & Disability Insurance coverage.
While many employers offer "group term life and/or
disability coverage", most times people are still not adequately covered. In many cases, most people do not
realize that their employer sponsored life and disability coverage is not portable, hence, leaving them vulnerable in
the event of an unplanned and sudden termination. We have built numerous relationships over the past fifteen years
with our underwriters to ensure our clients receive the best possible rates and coverage for their specific
situation. In fact, we have access and contracts with over thirty different life and disability insurance
carriers including five companies that specialize in certain "high risk" or conditions such as high blood
pressure, diabetes, depression, cancer, tobacco usage, etc.
Also, we help individuals protect their retirement assets and estates thru advising them on the
appropriate "Long Term Care" coverage. Long Term Care insurance is becoming the most talked about insurance
coverage in the marketplace today. While still in its infancy, Long Term Care coverage could be the most
important coverage one could purchase to protect their assets during their living years. People are living
longer today than ever before and will need more assets to live on. Without proper Long Term Care coverage, your
assets, hence, your estate are at significant risk of being absorbed by a long-term illness and the care that
goes with it. Because we believe strongly in the importance of this coverage, our president, David Lee
Cobb, holds a CLTC (Certified in Long Term Care) designation. Less than one percent of all licensed agents
hold this designation. Some of the premium for long term care insurance can be tax-deductible as well.
Lastly, we help people find the most appropriate annuity to help them accumulate retirement assets on a tax-deferred basis.
We work with over twenty insurance carriers in this complex arena that covers over one hundred products.
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