Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured’s death. Death benefits may be estate-tax free if the policy is owned properly. Cash values grow tax deferred during the insured’s lifetime.Life insurance offers several advantages not available from any other financial instrument
Life insurance enjoys favorable tax treatment unlike any other financial instrument Death benefits are generally income-tax-free to the beneficiary.Many life insurance policies are exceptionally flexible in terms of adjusting to the policyholder’s needs. The death benefit may be decreased at any time and the premiums may be easily reduced, skipped or increased
Cash value withdrawals are treated on a first-in-first-out (FIFO) basis, therefore cash value withdrawals up to the total premiums paid are generally income-tax freePolicy loans are income tax free A life insurance policy may be exchanged for another life insurance policy (or for an annuity) without incurring current taxation.
Homeowners insurance is a must for everyone who owns their house. It is typically required by any mortgage lender. The policy protects your finances from the burden of rebuilding and repurchasing property after costly damage occurs.
Protect all your cars from the work car to the kids cars or that classic Dad only cruiser that may only see the sun in the summer, we have a policiy for that too.
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What We Do
Auto Insurance
It reduces the number of lawsuits – By carrying insurance, you protected from accidents, regardless of whether they are considered your fault. It gives you peace of mind – If you do not have insurance, you would have to use your own money to get your car fixed after an accident.
Worker's Compensation
If you are injured on the job and qualify for worker’s comp benefits, you should receive medical treatment, payments for time off work while you recover, a compensation payment for any permanent disability your incurred as a result of your injury, and job retraining if you’re unable to return to your old job
Renter's Insurance
IT covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events that are listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft, and vandalism.
General Liability
General Liability Insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. It may also cover you if you are held liable for damages to your landlord’s property.