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Life Insurance - Even if you have been declined or had your rate raised, you may still be able to get coverage.

We find solutions for people who have had difficulty obtaining this coverage due to health, occupation or recreation.

Long-Term Care Insurance - Did you know that long-term care insurance is not just for nursing homes anymore? Long-term care now takes place in the home, in adult daycare centers, and at assisted living facilities. Long-term care insurance can be custom designed to cover any or all of these situations.

Newer products include one that can preserve your money to be passed on to your estate if not used for long term care expenses, another that pays a flat monthly benefit, giving you better coverage for home care and also a plan that pays cash directly to you to spend as you like.