Products & Services

Products & Services

I offer a wide range of insurance products designed to provide you with the flexibility you've been searching for. Choosing the right products for your unique situation can be easier than ever before. With access to a network of provider resources, I can guide you through a complex, changing world of risk and opportunity.

Individuals & Families

No matter what financial circumstances you are in, our Financial Services Representatives are here to help protect you and your family through the ins and outs of life's many changing events. Whatever your unique situation, we have financial solutions designed to help.

Life Events

We'll work with you to help you prepare for the unexpected and take you step-by-step through the uncertainties of planning for your financial future.

Family & Life Changes
Preparing for the Future
Unexpected Hardships
Wealth Accumulation

Products & Solutions

We offer a wide range of products designed to provide you with the flexibility you've been searching for, and to help meet your needs during the unique situations life throws your way.

529 College Savings
Disability Income Insurance
Individual Retirement Account (IRA)
Life Insurance
Long Term Care
Mutual Funds
Trust Services

Family & Life Changes

Big changes can happen in your life at any time, so you have to think carefully about financial decisions that may affect your future. Whether your family is growing or you're trying to limit the impact of a transition on your loved ones, remember your long-term goals. You may be considering important life events like college or marriage; you may be put in a position of caring for the people who supported you throughout your life; or you may be negotiating a settlement to divide your combined assets—no matter what the situation, you've got a lot to think about. Planning now could help make the difference between just getting by and living comfortably down the road.

Here are some options to consider:

529 College Savings
Disability Income Insurance
Individual Retirement Account (IRA)
Life Insurance
Mutual Funds
Trust Services

Preparing for the Future

As you develop your financial strategies, be sure to protect your assets and family against life's uncertainties. There are many considerations to take into account as you approach retirement age.

Given today's longer life spans and active lifestyles, you need to ensure you have a steady stream of retirement income. You may also be concerned about contributing to your children or your grandchildren's college education. Finally, you should establish an estate plan to make sure the assets you've accumulated pass on to those you love, according to your wishes. Insurance coverage can provide a solid foundation for your future, protecting you and those who depend on you for financial security. Some basic protection planning now can help ensure you have the income and assets to meet your financial goals in the future.

Here are some options to consider:

529 College Savings
Disability Income Insurance
Individual Retirement Account (IRA)
Life Insurance
Long Term Care
Mutual Funds

Unexpected Hardships

Without proper planning and protection, unexpected hardships can have a devastating financial impact on you and your family. Unforeseen events, such as a serious illness, an accident that prevents you or a family member from working, the loss of a loved one, or the immediate financial needs of a child with special needs, may occur at any time. You don't have to manage these situations alone. Our Financial Services Representatives have created a variety of solutions to account for your unique situation. Take action now to help ease your financial burdens in the future.

Here are some options to consider:

Disability Income Insurance
Life Insurance
Long Term Care
Mutual Funds
Trust Services

Wealth Accumulation

Help secure a more comfortable future with solid planning today. Protecting your wealth and assets involves taking advantage of a diverse array of financial solutions tailored to your long-term needs. You may be budgeting for the mortgage on a new home or learning to manage newfound wealth. Now it's time to look toward the future to help protect your assets. As you think about ways to minimize your taxes, fund your retirement, and protect loved ones, you can work with our Financial Services Representatives to make the process easier.

Here are some options to consider:

Disability Income Insurance
Individual Retirement Account (IRA)
Life Insurance
Long Term Care
Mutual Funds

Annuities

People are living longer and that means more time and savings will be spent in retirement. If you need a tax-deferred investment to provide a guaranteed¹ stream of income for life or a specified number of years, it might be worth considering an annuity. An annuity is a contract between an insurance company and an annuity owner. In exchange for a purchase payment, or series of payments, the insurance company guarantees¹ to pay a stream of income in the future.

There are two types of annuities—Immediate and Deferred.

Immediate Annuities

An immediate annuity is usually purchased with a single premium and begins a stream of income within the first 12 months from the date of issue. You decide when payments will begin within that period and how long to receive income. There are two types of immediate annuities: fixed and variable.

Immediate Fixed Annuity
An immediate fixed annuity provides a guaranteed and predictable stream of income during the payout period.
Immediate Fixed and Variable Annuity
An immediate fixed and variable annuity provides a guaranteed stream of income. The variable income payments fluctuate based on the performance of the variable investment choices selected. A fixed account is also usually offered as an investment choice within this type of contract.

Deferred Annuities

A deferred annuity is specifically designed to help accumulate assets for retirement. It also offers the ability to turn those assets into a guaranteed stream of income at some point in the future. You decide when payments begin and how long to receive income. There are basically two types of deferred annuities: fixed and variable.

Deferred Fixed Annuity
A deferred fixed annuity earns interest during the contract's accumulation period. The interest rates are set by the issuing company and are guaranteed not to be lower than the minimum guaranteed interest rate shown in the contract. A contract's accumulated assets can be converted into a guaranteed stream of income for the future.
Deferred Variable Annuity
A deferred variable annuity offers variable investment choices (and usually a fixed account) in which the contract owner can invest. During the accumulation period, the investment return and value of the annuity will fluctuate in accordance with the investments selected. A contract's accumulated assets can be converted into a guaranteed stream of income for the future.

¹Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or safety of the amounts held in the variable investment options.

Annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity.

Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity's additional features, such as lifetime income payments and death benefit protection.

Variable annuities are sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the product prospectus and underlying investment choices prospectus from your registered representative. The prospectuses should be carefully considered before investing or sending money.

If taken prior to age 59 1/2, a 10% federal income tax penalty may apply. This information is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. MassMutual, its employees, and representatives are not authorized to give legal or tax advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Principal Underwriters: MML Distributors, LLC (MMLD) and MML Investors Services LLC (MMLISI) Members FINRA {www.finra.org} and SiPC {www.sipc.org}. MMLD and MMLISI are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001.

Insurance products issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111 and its subsidiary CM Life Insurance Company, Enfield, CT 06082.

Individual Retirement Account

Retirement may seem far away, but it's never too early to determine how much you'll need and to begin the process of saving. Making smart financial decisions now can help impact how you live in retirement. We can assist you along the way with our Individual Retirement Account (IRA) program—it's designed to help you reach your retirement goals.

An IRA is a tax-deferred personal savings account that allows you to save for retirement without a company-sponsored plan. Throughout your lifetime, you can make tax-deductible “contributions” to your IRA, which you can then invest in basic securities such as stocks and bonds. For 2018, the annual amount you can contribute to an IRA is the lesser of 100% of earned compensation or $5,500. If you are age 50 or older (as of December 31 of the tax year to which the contribution relates), you are eligible to contribute an annual “catch-up” contribution each year of up to $1,000.

With a traditional IRA—the most common type of IRA—income taxes are deferred until you withdraw them, so you don't pay annual federal (and, in many cases, state) income taxes on your earnings. At age 59 Â½, you can make taxable withdrawals from the account called distributions for your retirement. If you choose to take distributions before you turn 59 Â½ years old, the government imposes a premature distribution penalty of 10% on your withdrawal. Additionally, when you turn 70 Â½ years old, you are required to take distributions by April 1 of the calendar year.

Roth IRA Account

Unlike the traditional IRA, contributions to the Roth IRA are considered “after-tax” and therefore not deductible, but you can take distributions from the Roth IRA tax-free. The maximum annual contribution to the Roth IRA for 2018 is $5,500, with an additional $1,000 “catch up” contribution allowed each year for individuals age 50 and older (as of December 31 of the tax year to which the contribution relates).

The Roth IRA became an option after the Taxpayer Relief Act of 1997, and allows for investors filing single on their taxes with a modified adjusted gross income in 2018 of less than $132,000 or married couples filing jointly with a combined adjusted gross income of less than $194,000 annually, to make limited, annual contributions toward retirement. There is no mandatory age at which you are required to take distributions from the Roth IRA, and there is no premature distribution penalty for amounts you withdraw from the principal.

Coverdell Education Savings Account (ESA)

The Coverdell Education Savings Account or Education IRA is a trust created exclusively for the purpose of paying qualified education expenses. You can contribute up to $2,000 per year to the account and those contributions will grow tax-free until distributed. In addition, the beneficiary will not owe tax on the distributions if they are less than a beneficiary's adjusted qualified education expenses at an eligible institution.

Savings Incentive Match Plan for Employees (SIMPLE)

In this written salary reduction arrangement, eligible employees contribute to an IRA in their name. Your employer is required to make annual contributions for each eligible participant. This type of arrangement is available to self-employed individuals or owners of companies that have 100 or fewer employees and no qualified retirement plan. Employees are eligible for a SIMPLE-IRA if they earn at least $5,000 annually. SIMPLE-IRAs may be funded by annuities.

For 2018, the maximum employee contribution limit is the lesser of 100% of compensation or $12,500. SIMPLE IRA owners age 50 or older (as of December 31 of the tax year to which the contribution relates) may be eligible to make an annual “catch-up” contribution each year of $3,000. The money contributed to a SIMPLE IRA will accumulate tax deferred until money is withdrawn. Withdrawals are subject to ordinary income tax and, if taken before age 59 Â½, a 10% federal income tax penalty may apply and this penalty is increased to 25% for distributions taken within the first two years of participation in the plan.

Investments

Part of planning for your future involves making educated decisions about managing your wealth and savings. Our Financial Services Representatives have the knowledge to guide you through the increasingly complex roadmap of investments that are available to you in today's growing financial market.

An investment is an up-front commitment of capital to purchase financial products with the intention of generating future profit based on interest or appreciation of the capital invested. Most investments also contain the risk that investors may lose part or all of their investment. Investors should be aware of the risk/return potential of any investment products they consider for purchase, as typically the greater the return potential of a given investment, the greater the risk potential. Investors should also consider their own comfort with risk, the length of time they have to invest, the fees charged by the investments they are considering, and their ultimate goal for the investment when making investment decisions.

The financial market offers a wide variety of different investment products for investors to purchase—from relatively straightforward investment types (securities) like stocks, bonds and short-term/cash-equivalent investments to portfolios that combine these investment types within various products, such as mutual funds, annuities and variable life insurance policies.

Investors may choose different investment products to meet a variety of needs, including retirement and estate planning, education financing and for funding purchases of all sizes. Financial Services Representatives can help select appropriate investment products based on an investor's goal for the investment, individual profile (comfort with risk, length of time to invest) and a product's fees and tax considerations (many investment products have built-in tax advantages).

Your Financial Services Representative can help you develop a plan for your investments that takes these key factors into consideration.

There are three basic types of investments (called asset classes):

Stocks are instruments of equity and represent shares of ownership in a company. They rise and fall with investor perception of the company's potential or other stock market factors, such as the outlook for the company's industry, the political climate or the strength of the economy.
Bonds are instruments of debt that represent loans issued by the government or a company. Investors who purchase bonds receive from the issuer a stated rate of interest and the promise of repayment of the principal amount when the bond reaches its stated maturity date. Interest-rate movements up or down typically have the greatest impact on bond prices.
Short-term/cash-equivalents are low- or no-risk investments that generally have lower expected yields than stocks, bonds and other investments - cash-equivalents may not yield enough to keep up with the rate of inflation. Cash-equivalent investments include the following:
Certificate of Deposit (CD)s represent fixed, interest-bearing time-deposits with a bank or other FDIC-insured institution.
Money Market Accounts represent portfolio-based investments that derive their value and generate interest by purchasing a variety of short-term debt instruments, including Treasury bills, CDs, bankers acceptances and commercial paper.

Investing is also about taking steps to protect your financial future. Investors should develop a plan that addresses specific short- and long-term goals and that can be maintained and adjusted, as appropriate.

On the road to financial independence, you don't have to go it alone and risk making the wrong projections. If you don't have expertise in financial products and planning, a Financial Services Representative can help you make educated decisions and develop a plan.

Life Insurance

Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education, or cash for emergencies.¹

Term Life Insurance

Term life insurance provides coverage for a set period of time at a generally lower cost than permanent insurance. Many term life insurance products allow you to convert to a permanent policy, such as whole life insurance. The cost of insuring oneself increases over time, so it's important to understand your short- and long-term needs for financial security when you select a policy.

Permanent Life Insurance

Permanent life insurance provides you with financial protection for your entire life, as long as the policy remains in force. Because of the flexibility permanent life insurance offers, there are several types of policies you can purchase.

Whole Life Insurance. The benefits of whole life insurance include guaranteed fixed premiums, a guaranteed death benefit and guaranteed cash value growth. This means that with whole life insurance, your premiums never increase as long as they're paid, and you can also take advantage of “living benefits,” which enable you to borrow against the cash value of the policy for any purpose while you're alive.¹ Borrowing cash from the policy can help in financing life-changing events or emergencies, and the policy's cash value accumulates on a tax-deferred basis. One thing to keep in mind when purchasing whole life insurance is that loans reduce the death benefit of your policy, and loan interest should be repaid in order to prevent lapse.

Universal Life Insurance. Universal life insurance provides lifetime death benefit protection along with flexibility that gives you choices as your needs and finances change. It offers options such as coverage amounts that may be increased or decreased, and premiums that you can vary based on your finances as long as there is enough money in the account to pay for the monthly insurance and administrative charges.

Variable Universal Life Insurance. Variable universal life introduces an investment component. With variable universal life, you can allocate net premiums and account values among divisions of a separate account and guaranteed principal account.² You can direct a portion of your net premium payments to any of the investment options available through the separate account depending on the particular variable universal life product. Each investment option offers a different level of risk and growth potential. One feature of variable universal life insurance (and universal life) is its premium flexibility: you can skip payments as long as your policy has accumulated enough account value to meet the monthly deductions. Also, you can add numerous riders to your policy. Riders are available for an additional premium.

**Variable life insurance policies are sold by prospectus. Before purchasing a variable life insurance policy, investors should carefully consider the investment objectives, risks, charges and expenses of the variable life insurance policy and its underlying investment choices. For this and other information, obtain the prospectuses for the variable life insurance policy and its underlying investment choices from your registered representative. Please read the prospectuses carefully before investing or sending money.

Survivorship Life Insurance. Survivorship life insurance is a form of permanent life insurance that covers two people on one policy and pays a death benefit after both people on the policy have died. The cost for survivorship life insurance is usually lower than the cost of two individual policies.

¹Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing or partial surrenders can reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

²Guarantees are based on the claims paying ability of the issuing company or companies.

Long Term Care

For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long term care. Long term care (LTC) services can be expensive and costs generally continue to rise. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.

What is Long Term Care?

Long term care includes a variety of services and supports to help meet personal care needs over an extended period of time. The services include help performing Activities of Daily Living (ADLs), such as: bathing, continence, using the toilet, transferring to/from a bed or chair, dressing and eating. Long term care services are generally not covered under personal health insurance or Medicare because they are not intended to cure, improve or treat a specific medical condition. Medicaid may help individuals with income and assets below state requirements.¹

Whether long term care services occur in a nursing home, assisted living facility or your own home, the costs can be a huge expense. The average stay in a nursing home is 835 days (2.3 years) and $183,700.² The national median hourly rate for a home health aide is $20 and that can add up quickly.³

Potential Ways to Pay for Care

A variety of sources may be used when expenses do not qualify under Medicare or personal health insurance.

Family & Friends	In some cases, family members and friends may be able to help with some of the care you need — preparing meals, providing transportation; helping with housework, bills or medication for example. Caregiving can be rewarding, but it can also be stressful. It's important to recognize when family caregivers need a break and/or can no longer provide the care you require.
Personal Savings	When professional long term care is necessary, one option is paying with your own resources such as savings, investments, income (pension, Social Security, annuities) or even your home or home equity. Consider how long these sources might last and what other goals may be unfulfilled if these funds were used for care.
Insurance	Another option is insurance designed for long term care expenses, or with the option to use the policy's primary benefits for long term care if needed. For example, your existing life insurance or annuity may contain provisions to utilize benefits early in the event you need long term care. It is important to have an insurance professional review your existing policies and carefully explain the differences in the types of coverage available today.
State Medicaid Program	Finally, you may be able to qualify for your state's Medicaid program. Medicaid only pays after you meet eligibility requirements, including specific restrictions on income and assets.¹

Making it Work

As you can see, there are many alternatives to consider when preparing for the possibility that you may need long term care. Generally, beginning early has advantages. First, at younger ages, you are more likely to be healthy and qualify for various types of insurance. Second, starting early means you may be able to meet your goal with lower installment savings amounts or annual premiums.

You don't have to prepare for long term care expenses alone. Our Financial Services Representatives can review a variety of solutions that may help you meet your goals.

¹For more information regarding benefits provided by Medicare or Medicaid (Medi-CAL in California) visit www.cms.hhs.gov. Medicaid guidelines vary by state. Contact your local Medicaid office for details.

² National Nursing Home Survey 2014, National Center for Health Statistics.

³ Cost of Care Survey, Genworth, June 2015.

Mutual Funds

Whether you favor an aggressive approach or a conservative one, we offer a breadth of mutual funds designed to match your investment goals.

What are Mutual Funds?

Mutual funds are professionally managed portfolios of stocks, bonds or other securities that pool the money of a group of investors who have common financial goals. The value of mutual fund shares will fluctuate so that when redeemed they may be worth more or less than their original cost.

Who needs Mutual Funds?

Mutual funds may be an appropriate option for investors at various income levels, and may help to reduce the worry of day-to-day issues such as what individual securities to buy and sell, or when to buy and sell them. They offer a level of diversity that can be hard to match as an individual investor. The increased diversification may reduce volatility.

Investing in a Mutual Fund

The types of securities a mutual fund can buy are spelled out in a detailed investment document called a prospectus. A single fund may own dozens or even hundreds of different securities. The prospectus also describes fund objectives and discloses the fund's risks, charges, and expenses. You should read a fund's prospectus and, if available, a summary prospectus carefully before investing.

Mutual funds are subject to market risk and volatility. Shares may lose or gain value. Diversification does not assure a profit or protect against loss.

Shares of mutual funds are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested.

Before investing in any mutual fund, investors should carefully consider a fund's investment objectives, risks, charges and expenses. Fund prospectuses and, if available, summary prospectuses contain this and other information about the funds. To obtain a prospectus, ask your financial services representative. Read prospectuses and, if available, summary prospectuses carefully before investing

Trust Services

A trust is a fiduciary arrangement through which the trustee manages assets for the benefit of third parties. A trust is commonly used to transfer wealth to heirs or to favored charitable organizations. Insurance products, such as life insurance policies, annuity contracts and disability policies, may be used to fund trusts in appropriate circumstances.

Trusts are very flexible and may be drafted to meet the specific intent of the individuals creating the trust and customized to meet the specific needs of trust beneficiaries. You can use trusts as a key element in a comprehensive estate and wealth transfer plan, or to otherwise direct how your legacy will be managed and distributed after your death.

Advanced estate planning and trust services require specific knowledge typically not provided by many financial advisors. Using trust services means collaborating with a third party that has your best interests in mind while the trust is set up through an attorney. Trust services include:

Investment management & prudent diversification of account assets;
Periodic statements, annual tax reporting and investment reporting; cash management, safe custody and prompt distribution of assets;
Processing of capital changes such as stock dividends, splits, exchanges and tenders;
Bill paying, automated deposits and disbursements (ACH and wire);
Income collection and allocation

Traditionally, advisors had to refer clients to other providers. The person appointed as your trustee should have the knowledge and capability necessary to administer sometimes complex arrangements and to meet the fiduciary duties and responsibilities that are imposed under trust law. If properly drafted by an attorney and administered by the trustee, a trust can ensure that trust assets are managed and distributed after your death as you had desired.

Retirement Planning

In today's highly-competitive marketplace, it is becoming increasingly difficult to attract and retain top talent. Salary is no longer the sole compensation driver. Employees are also looking at an employer's overall benefits package and its potential to help protect their families and adequately prepare them for retirement. These concerns are heightened by ever-changing tax laws, pension plan uncertainties, and Social Security shortfalls. As a business owner, you can offer insurance and retirement benefits that can make a difference for both your executives and your business.¹

Providing for your employees' retirement can create a loyal and dedicated community around your business. A variety of retirement-planning products exist to provide the benefits that support your employees' commitment to your business.

Consider a few of the following retirement planning options.

Annuities

Establishing individual retirement arrangements funded by annuities is easy for small business owners. It may also help you and your employees achieve your retirement savings objectives.

Disability Income Insurance

Disability income insurance can replace a portion of an employee's earnings in the event of a disability. It can also help protect an employee's ability to plan and save for retirement.

Life Insurance

Learn how life insurance can supplement² your employees' retirement planning strategy to help align with the goals of their golden years.

Long Term Care Insurance

Long term care insurance helps protect an employee's assets and retirement plan, and is part of a complete financial strategy.

Retirement Plans

Reward and attract talent to your company by helping them prepare for retirement. A wide range of group retirement products and services can help you maintain a long-term retirement strategy.

¹There may be implications under the Employment Retirement Income Security Act (ERISA) depending on how certain types of insurance policies are made available to employees and whether such an arrangement constitutes an “employee benefit plan” under ERISA. Employers should consult their own tax and legal advisors for further information on potential ERISA implications.

²Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing or partial surrenders can reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Disability Income Insurance

Disability income insurance can help protect an employee's ability to generate income if they become too sick or injured to work. If your employees become disabled, a group long term disability insurance policy can help protect a portion of their income and provide a fundamental layer of security for their financial future.

Offering supplemental individual disability income insurance in addition to a group long term disability plan is one way to provide higher levels of protection for your employees without incurring any additional costs. Coverage is available at the worksite through a guaranteed standard issue offer, featuring simplified underwriting, or through a multi-life offer with full underwriting. Both offer discounted rates.

Disability income insurance can also help protect your employees' ability to save for retirement. In the event of a long-term disability, you need to ensure your employees are adequately protected.

Individual, Fully Underwritten Disability Income Insurance

Individual, fully underwritten disability income insurance can be offered to employees to supplement employer-provided group long term disability benefits. Typically, group long term disability benefits pay about half an employee's net monthly income. Employees who have an individually owned disability income insurance policy can protect a larger portion of their income and design the policy to fit their specific income needs. Individual disability income insurance coverage is non-cancellable, fully portable, and premiums may be available at a discount.

Guaranteed Standard Issue Disability Income Insurance

Guaranteed standard issue disability income insurance is supplemental individual disability income insurance for employees. This coverage may help protect a higher amount of income than a group long-term disability insurance policy alone. Supplemental coverage can help bridge the gap between current earnings and benefits available through a group long-term disability insurance policy. Note that the two policies do not coordinate benefits; claim decisions are rendered independent of each other.

Advantages to employees:

Designed to replace a higher percentage of income when eligible for benefits under both policies
Simplified underwriting
Offers a permanent premium discount and is fully portable
Covers a portion of bonus and incentive compensation

Advantages to employers:

Enriches employee offerings at no cost to employers
Allows for easy implementation

Disability income insurance policies have exclusions and limitations.

Calculators

Need help planning your financial future? Use the calculators below to help understand your needs, then, contact our agency for a personalized approach to your financial strategy.

Insurance

Modal Charge Disclosure and Annual Percentage Rate

Use this calculator to determine the total dollar amount and the Annual Percentage Rate (APR) for any additional charge you may incur if you pay your annual premium in installments.

Lifetime Economic Value

How Much Life Insurance Do I Need?

Income Gap

How Would a Disability Affect My Finances?

Disability Benefits Benchmarking Tool

Find out if your company's disability benefit plan is competitive by using our quick and easy benchmarking tool; compare your coverage to top companies.

Retirement