We offer you a wide variety of products to meet your needs, the needs of your family and the needs of your business.

Plans for your family include:

• Select Choice Term Series, offering you a choice of term lengths and coverage amounts and giving you the maximum amount of coverage for your premium dollar.
• Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.
• First Step, which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.
• Select Choice Juvenile Whole Life prepares your children for the future with low rates and a policy your children can maintain for a lifetime.
• We can also help you prepare for your retirement and protect you during periods you can not work due to disability:
• The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
• Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
• The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.

Business coverages:

• Executive Choice Term Series provides maximum coverage for your premium dollar with a variety of level premium periods, allowing you to tailor your insurance plan to match the needs of your family or business.
• Simplified Incentive Match Plan for Employees (SIMPLE) is a simplified, tax-qualified retirement plan available to employers with less than 100 employees.
• The Business Overhead Expenses Plan offers your business protection in the event that you become disabled.

Call us for additional information about the coverage we can provide.

Insurance coverages we offer for your home include:

• Homeowners protection
• Homeowners plus protection
• Condominium unit-owner’s insurance
• Renters insurance
• Personal umbrella liability
• Replacement cost contents protection
• Inland marine personal articles

For additional information about the coverage we provide, please contact us.

We can provide you with flood insurance through the National Flood Insurance Program.

Flood insurance can be written to insure homes, commercial and personal property. Call our office for more information about this program.

• A Businessowners’ Policy that is broad and comprehensive to meet businessowners’ needs in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
• The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
• The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
• Loss Control Services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.

For additional information about the coverage we provide, give us a call.

We can also provide coverage for the specific and unique liability associated with the ownership of a Recreational Vehicle. Call us for more information.

Call one of our agents for a quote.

Call us today for more information and to discuss your bonding needs.

We are familiar with the state and federal laws concerning Workers Comp and can help you set up a program that not only makes sense, but covers you and your employees in care of the unexpected.

For more information about a plan that’s right for you, your family or your company, give our office a call.

Give us a call to find out about the many discounts that are available such as: Coast Guard courses, safety equipment and multi-policy credits.