We have helped design insurance programs for individuals, families and businesses since 1987. Life, Long Term Care, Income Protection and Health Insurance can be set up on an individual, group or voluntary basis. These can be used to meet family protection, estate planning and business planning needs. Death, Disability or sickness of yourself, a family member or a key employee can create a need for money you do not have. That is what insurance is all about.. Whole Life Insurance,Universal Life Insurance,Universal Life Insurance with guaranteed,5,10,15,20,25 and 30 year term insurance,Mortgage Payoff Insurance,Disability Income Insurance,Disability Mortgage Payment Insurance,Disability Retirement Contribution Insurance,Business Overhead Expense Protection Insurance,Traditional Long Term Care Insurance,Asset based Long Term Care Insurance,HSA Qualified Insurance,Traditional and Managed Care Health Insurance