• SERVICES •

AUTO INURANCE
Protects you from damage to the investment in your vehicle and from liability for damage caused by you or someone driving your car. I offer auto insurance to cover all of your needs.

Selling you auto insurance isn't the end of our relationship. I provide quick response to your claims as well as high quality service that goes on after the sale. Use my request a quote page and let me tailor-make a plan to suit your individual needs.

HOME OWNERS INSURANCE
Proper homeowners insurance should protect your biggest investment - your home. Homeowners insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is injured on your property.

Selling you homeowners insurance isn't the end of our relationship. I provide quick response to your claims as well as service that goes on after the sale. Use my request a quote page and let me tailor-make a plan for your individual needs.

LIFE INSURANCE
Life insurance provides your surviving spouse, children and other dependents with the funds necessary to maintain their standard of living. It can help pay debts, including estate taxes and can fund education costs for your surviving children. There are 3 types of life insurance:

Term Insurance - Basic, inexpensive coverage with premiums that stay the same over a period of years such as 10-15-30 year coverage. They have no cash value - only a death benefit.

Whole Life - It provides level coverage with level premiums. A portion of these premiums goes into cash-deferred savings that can be used years later as a retirement plan supplement.

Universal Life - This type of life insurance offers an investment option. It is sensitive to interest rate fluctuations. You can continue to buy additional insurance without buying another policy.

Selling you life insurance isn't the end of our relationship. I provide quick response to your claims as well as high quality service that goes on after the sale. Use my request a quote page and let me tailor-make a plan for your individual needs.

IRA'S
IRA's provide money for retirement at better-than-average interest rates. They also are protected from taxes until the IRA is cashed in. Your contributions to an IRA are tax-deferred while you make them.

Selling you an IRA isn't the end of our relationship. I provide quick response to your questions as well as providing you with high quality service that goes on after the sale. Use my request a quote page and let me tailor-make a plan for your individual needs.

ANNUITIES

An investment for the long term. Annuities increase in value over time and can provide you with a significant supplement to your retirement income.

An annuity performs better than a CD. Annuities consistently deliver higher rates of return than CD's. However, better rates are only the beginning.

Annuities are tax-deferred. As long as interest is not withdrawn, a 1099 is not sent to you; this makes the low return rates of CD's even lower after taxes are factored in.

Annuities have withdrawal privileges - you can withdraw interest with no penalty, or you can have 10% of the principal cash after the first year.

Annuities have named beneficiaries - this can protect you from probate procedures.

Annuities are private - proceeds are passed privately and quickly to beneficiaries without the public exposure of probate.

Annuities can turn into Life Income at any time - there are no management fees, no investment worries, no renewal problems. Just a check every month as long as the annuitant lives.

Selling you an annuity isn't the end of our relationship. I provide quick response to your questions as well as service that goes on after the sale. Use my request a quote page and let me tailor-make a plan for your individual needs.

IDENTITY THEFT
 What is Identity Fraud and Identity Theft?
According to the Department of Justice, identity theft and identity fraud refer to all types of crime in which someone wrongfully obtains another person's personal data in some way that involves fraud or deception, typically for economic gain. Frequently, the criminal uses this information to open or access credit card or other financial accounts leaving the victim with a pile of debt and a ruined credit rating.

 Who Needs Identity Fraud and Expense Coverage?
The United States Department of Justice estimates that up to 700,000 people may be victimized by identity theft every year. The average victim incurs $1,000 in out-of-pocket expenses and spends over 175 hours working to reestablish his or her good name.

 What is Covered?
Identity Fraud Expense Coverage reimburses the insured for most out-of-pocket expenses incurred to correct the information in credit reports, remove fraudulent purchases from credit card bills and undo much of the damage caused by the criminal. Reimbursement is provided for all of the following:

* Reasonable attorney's fees incurred to:
o Defend lawsuits brought against the insured by merchants, financial institutions or their collection agencies.
o Remove criminal and civil judgments wrongly entered against the insured; and
o Challenge the accuracy or completeness of information contained in a consumer credit report.
*
* Loss of income up to $200/day and $5,000 for lost workdays Loan reapplication fees because the original application was rejected when the lender received incorrect credit information; and
* Costs associated with certified mail and notarizing affidavits.

We can provide you with $15,000 coverage with $250 deductible for as little as $20 per year.

Contact me today and I'll show you how to enroll in this vital and affordable program