Personal Insurance Products

Taking out a life insurance policy can provide one with the following benefits: 

 Liquidity: Insurance proceeds can provide cash to pay taxes, outstanding bills, last expenses, and most importantly replace lost future income. 
 Tax Minimization: For a minimal investment, funds can be created to eliminate the impact taxes have on an individual's estate.
 Estate Creation: Insurance can be a low cost method of creating financial resources needed in time of loss of an income earner.
 Business Continuation: In business partnerships, the death of one partner can jeopardize the survival of a business. Fortunately, insurance can provide funds to pay business expenses or buy out disabled partners if needed.

Business Insurance Products

Lawsuits are the result of someone being harmed, either with bodily injury or damage to their property.  Any organization has liability exposures, and can be named in a legal action due to the negligent actions of a volunteer or member causing harm to a third party.  Your major concern as a small not-for-profit group is to have the resources in place to defend such actions, so that the organization is not destroyed by such actions.

You can be held liable for:

• Injuries or harm to participants in outings or events, or third party property
• Injury or harm to volunteers or employees
• Official actions taken or not taken by your organization.

Insurance Types

What Types Of Life Insurance Are Available? 

Depending on your current and long-term financial needs, there are different types of insurance products available to help you prepare for the unexpected. The two main categories of insurance are Term Insurance , which offers temporary protection, andPermanent Insurance , which provides long-term protection. Although permanent insurance is generally more expensive than term insurance initially, over time it evens out, and eventually permanent insurance surpasses term insurance in savings.