Life Insurance

Nothing can replace a loved one, but the financial burden of their passing can be avoided through life insurance. Our agents individually discuss the needs of each of our clients to help determine the proper life insurance product they need so that they can better protect their family. With over twenty “A” rated life insurance companies, we can get even the hardest cases with significant medical problems underwritten and covered. Not sure how much life insurance coverage you need? Click here for a life insurance needs calculator:

Disability Coverage

An individual’s ability to earn a living is his or her greatest asset. Disability Income coverage will provide periodic payments to replace income lost when the person is unable to work as a result of injury or sickness.

Disability policies vary greatly by what coverages they offer and what coverage can be provided. Our experienced staff has the skills to discuss your needs and provide you with a policy that protects you and your family while meeting your budget.

If you’re not sure how much income you will need to sustain your current standard of living if you become disabled, click on this link to go to a Disability Insurance needs calculator:

Long Term Care

There is a 70% chance that you’ll need some kind of long term care after age 65. A common misconception is that health insurance or Medicare will provide coverage you need for long term care services. Unfortunately, health insurance and Medicare is designed to only pay for hospital or doctor visits and do not generally cover long term care expenses.

If you are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring, and walking, you will need some type of long term care. Tennessee’s average annual cost for home care is $39,442 and full-time nursing home care averages $69,806 per year. Without long term care coverage these care expenses can drain one’s life savings or estate and even cause bankruptcy.

We have many products available and can tailor the coverage to fit your needs and budget. Give us a call to get a quote on this very important coverage.