Overview – Both Permanent Life and Term Life Insurance options. Key benefit – Life Insurance provides financial security to those who depend upon you should you die. Tailored to your specific needs, Life Insurance can pay off debt, provide living expenses to your dependents, and can even provide supplemental retirement income.

Overview – For those who prefer an all-in-one option combining both medical and prescription drug coverage. Key benefits – low to zero premiums, maximum out-of-pocket caps and extra benefits such as dental & vision, and gym memberships.

Overview: For Medicare beneficiaries Part D covers prescription medications and may involve co-payments and Pharmacy Networks. Key benefit – Part D plans have a maximum “out-of-pocket” expense per year. Co-payments and deductibles can vary from plan to plan. I guide you to the most cost-effective plan for your unique situation.

Overview – Medicare Supplements cover all or, depending on premium, part of any medical bills remaining after Medicare covered services. Key benefit – No “networks” to worry about and no surprise billings.

Overview -Fixed and Indexed Annuities for those seeking financial security. Benefit – Annuities eliminate the risk of principal reduction due to market losses while providing deferred taxation and the option of guaranteed lifetime income.