Whole Life
Whole life insurance offers cash value you can use to help pay for retirement, finance education, or just make life easier if your insurance needs decrease. It is the perfect option to provide permanent protection with the possibility of providing living benefits for you.
Term Life
Term life is ideal for providing life coverage for a specified term at affordable premium rates. It gives your beneficiary a source of funds which can be used to help continue mortgage payments, college education or other large expenses that don't stop with an untimely death. Horizon Term is a twenty-year renewable and convertible term policy with level death benefits.
Universal Life
You can purchase life insurance which will provide a death benefit and over time provide you with fund values you can use for retirement, children's education or emergencies. Best of all, you are the one in control. You get tax deferred fund value accumulation, competitive current interest rates, and guaranteed a minimum interest rate. You can also add a long term care option.
Annuities
Annuities are an insurance product that pays out income and can be used to receive a steady income stream during retirement. You can receive payments for the rest of your life or for a set period of time. The amount of money that you receive depends on the amount of money that you invest into the annuity. IRA's (Individual Retirement Accounts) is a form of retirement fund that allows you to save money with big tax breaks. Unlike 401ks most IRA accounts are opened on an individual personal level. There are various types of IRA's and determining which can be the most beneficial would depend on the individual financial goals and situations of each person.
Long-Term Care
Long-term care is a type of insurance to help alleviate some of the costs if you become unable to care for yourself due to an extended illness or disability. These financial obligations could be very costly to you or your family members. Let our company assist you in finding the right long term care plan for you.
Long-Term Disability
Protect one of your most valuable assets-your ability to earn an income. A disability policy gives you the option to pay an affordable amount now and protect you should you have a loss of income due to covered sickness or off-the-job injury strikes.