Insurance provides a lifetime of protection to meet the clients' many needs of estate planning and risk management. This often involves a wide range of insurance programs tailor-made for specific protection needs.

Life Insurance provides safety, security and peace of mind for the ones we love. It is commonly used to:

• Replace lost income for the surviving spouse family
• Pay off mortgages or other debtsCover last expenses necessities for surviving spouse family
• Eliminate tax liabilities after death
• Provide ways to fund future education costs for children
• Make a charitable gift
• Supplement retirement or handle emergencies