Personal Insurance
Homeowners Insurance
Whether you own a house, condominium, or rent an apartment, your home is one of your most important investments. As a leader in quality protection, we have developed an outstanding reputation of offering the highest rated homeowners insurance plans available today.
Automobile Insurance
We can help you design a policy that best suits your individual needs. Rates are determined by vehicle type, limits of liability, deductible, residence, vehicle use, and driving record. Available discounts include: multiple auto, package (home, auto, umbrella) policy, accident-free driving record, and good student credit.
Personal Umbrella
Personal umbrella liability insurance is designed to protect you against a large liability judgment. This provides expanded coverage and increases the amount of your liability protection beyond the basic coverage under a homeowners/renters and auto insurance contract.
We strongly recommend this optional insurance, particularly for our physician clients.
Life Insurance
We use many carriers for individual life insurance products, including The Guardian and Transamerica. For guaranteed term products, we constantly review the term market for the best coverage, guarantees, and pricing.
Disability Income Protection
Individual disability coverage is underwritten primarily through UNUM Provident, The Guardian, Principal, and Standard. Additionally, we have access to Lloyds of London contracts for individuals who prefer more coverage than currently available in U. S. markets. We also underwrite office overhead disability contracts and disability buyout contracts for medical and professional groups in addition to group disability insurance.
Long Term Care Insurance
Long Term Care Insurance (LTC) is indemnity for individuals who need continued help with Activities of Daily Living (ADLs) due to a chronic condition or limited ability to function.
Long Term Care Insurance can help preserve the assets that are the foundation of your personal independence and your retirement program. Additionally, long term care insurance can be viewed as lifetime disability protection.
We can underwrite an individual or group Long Term Care program. When the premium is paid by the employer, there can be substantial tax savings and plans are available with short paid-up options such as 10 years.
Sixty percent of the population will need LTC or assistance with everyday activities at some point in their lives. Nearly 40% of those receiving LTC are between the age of 18 and 64. Call our office for a long term care proposal.
Health Insurance
We are constantly monitoring the ever-changing health insurance market to be able to provide you with the best plan and coverage that best suit your needs. We underwrite, design and administer health insurance packages for individual and group practices. By underwriting only the very best health carriers in the country, the insured can be sure of continuance of coverage and competitive premiums.