Special needs, special services…

LIFE INSURANCE-Group and Individual. Substantial discounts for non-tobacco users. Coverage available for special risks.

ANNUITIES—Flexible and Single Premium—excellent funding vehicle for IRA’s and Employer Retirement Plans. Minimum interest rate guarantee.

LONG TERM CARE INSURANCE—Tax Qualified and Non-tax Qualified. Group and Individual. Comprehensive coverage for both Nursing Home and In-home care.

MEDICAL INSURANCE—Group and Individual. Defined Contribution Plans for small employers. Health Savings Account eligible plans.

MEDICARE PRODUCTS—Standard Medicare Supplement plans A thru K. These products also available for those on Medicare but under age 65. Medicare Advantage products are also available.

MEDICARE PRESCRIPTION DRUG CARDS (Part D)—various plans available.

GROUP DENTAL INSURANCE—Employer paid requires a minimum of 3 full-time employees. Voluntary plans available with only 1 employee enrolling.

GROUP VISION COVERAGE—Minimum group size of 5 employees.

OTHER SPECIAL RISKS—Kidnap and Ransom, High Limit Accident, Professional Athletes, International Major Medical.