Life insurance that provides lifetime protection and builds cash value over time. The cash can be used to fund a major purchase or send your kids to college. Also allow for loans in the event of an emergency. Examples of permanent policies are variable, whole and universal life.

Term Life Insurance

Provides a death benefit for a specific period of time with no cash value. Premiums for term are lower than for cash value policies. An inexpensive way to provide financial security for your loved ones after you are gone.

Personal Disability Insurance

Statistics show that there is a much greater chance of becoming disabled than dying prematurely. However, few people carry this coverage. This policy provides income in the event that you are unable to work due to injury or illness.

Long Term Care Insurance

The average cost of a Nursing Home in Western New York is around $70,000. This policy pays for the cost of staying in a Nursing Home, care at your own home, or in an assisted living facility or Alzheimer’s Center. This has become one of the more popular types of policies recently as people are living longer and health care costs rise rapidly.