Life Insurance

Life Insurance for Individuals & Businesses

Life insurance plays a critical role in protecting financial security for your family or your business. Together with our partners at NBT Wealth Management, our team of skilled advisors can help you design customized solutions to safeguard your assets.

Whether you are looking for a new life insurance policy, or want a second opinion about your current policy, we’re here to help by offering expert guidance, including a complimentary written analysis of any current life insurance policies.

What can we help you with today?

Confidence for the Future

We know life insurance isn’t something most people want to think about. That’s why we do it for you, with a view of insurance that’s shaped by your desire to protect what matters to you. Life insurance is a tool to help mitigate risk in your financial life while providing you and your family with confidence for the future. As an independent insurance agency, we have the ability to access coverage from more than 30 carriers so we can offer truly unique solutions to meet your needs.

Personal Life Insurance

We often think of life insurance as a way to help fund final expenses—but life insurance can be much more! It’s important to consider life insurance (or a review of your current life insurance policy), when certain life events occur, such as:

  • Buying a house
  • Having a child
  • Getting married
  • Planning for retirement

Whether you need to protect your children, your spouse, or even a parent from the loss of your income, we are here to help you calculate that risk and make the proper plan to protect the people you care about. Our team is here to help you determine the potential financial risk to your family and to help you put the proper coverage into place.

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Business Life Insurance

Life insurance is important for businesses of all sizes. Whether you’re using life insurance as an employee benefit to attract and retain talent or using it to protect the company from loss, business life insurance can offer various protections.

  • To keep your business running
  • To fund business succession plans
  • To equalize an estate among heirs
  • To attract and retain top talent
  • To provide collateral for a commercial loan

We understand small and medium-sized businesses and can help you find ways to protect your company with business life insurance.

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How Much Life Insurance Do I Need?

Understanding exactly what coverage makes sense for you is easier said than done. That’s why our team takes the time to understand your situation and answer your questions. Together, we’ll determine what types of insurance you truly need. Plus, we’ll take a look at any existing policies you have and make sure those are still a good fit.

These comprehensive insurance policy reviews are offered at no cost to you. It’s our way of making sure that, when it comes to the things that count, you’re always covered.

Take the first step today toward ensuring you are sufficiently covered.

Want to price out a policy or have us review your current life insurance plan?

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Types of Life Insurance Policies

Whole Life

From birth to age 90, your premium will never increase with whole life insurance. Your death benefits will be there when you need them, and you may be able to accumulate cash value and other living benefits.

Term Life

Often less expensive than whole life insurance, term insurance provides death benefits for a certain number of years (term) at a set premium.

Universal Life

We offer all three major types of universal life insurance: interest sensitive, guaranteed, and indexed, which all offer permanent protection with lower premiums than whole life insurance.

Long-Term Care (LTC)

Help protect your assets from potential loss due to long-term care needs. Traditional LTC insurance provides discounts for couples along with potential state income tax credits. We offer state partnership plans and non-partnership plans.

Hybrid LTC Plans

These popular plans combine the benefits of life and long-term care insurance to offer protection from critical illness and provide added death benefits for beneficiaries.

Disability

For individuals, disability income insurance can help protect your income if you’re out of work due to illness or injury. For businesses, you can protect your income as well as overhead costs with Overhead Expense insurance.

Fixed Annuities

If you’re looking at ways to provide future income, these fixed contracts offer choices for highly competitive savings rates in a tax-deferred package.


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Insurance FAQs

For certain policies, we can offer expedited underwriting and waive the in-person medical exam requirement.

The right kind of life insurance can be used to generate income during retirement. Properly structured, a life insurance policy can provide many years of tax-free income to the owner. A well-planned life insurance policy can also self-complete prior to retirement in the event of a pre-retirement disability of the insured.

When you are considering your need for life insurance it is important to look at the loved ones who financially depend on you. Whether you need to protect your children, your spouse, or a loved one from the loss of your income, we are here to help you calculate that risk and make the proper plan to protect the people you care about. We provide a no-cost, no-obligation Insurance Policy Review for anyone who requests it, no matter what insurance company you have. Why do a review? Because things have a way of changing over time. Reach out to us today for a consultation.

We provide a no-cost, no-obligation Insurance Policy Review for anyone who requests it, no matter what insurance company you have. Why do a review? Because things have a way of changing over time. What if your income has increased and you need more coverage? Or what if you lost weight, or you quit smoking? This might be the time to let your carrier know so you can get a discount. On the other hand, what if your family status has changed and you don't have the correct beneficiaries anymore? For these reasons and many more, we highly recommend a periodic policy review.

A new home is both a dream realized as well as a tremendous financial responsibility. How would the mortgage be paid if the primary income-earner becomes disabled, or worse yet, dies prematurely? The good news is we have answers! Our insurance professionals can help you find ways that can help. Reach out to us today for a consultation.

Life insurance can be there for more than just final expenses and can help with:

  • Estate planning
  • Paying off debt
  • Replacing lost income
  • Saving for college