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Research Articles

Risk Management 

Term Life Insurance:  Term life insurance differs from the permanent forms of life insurance in that it offers temporary protection.

Whole Life Insurance:  Some of the pros and cons of Whole Life Insurance.

Universal Life Insurance:  Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance: Variable life insurance gives you the control to allocate your account value among a variety of investment options. 

Auto Insurance                     Insurance Claims

MAXIMIZING YOUR INSURANCE BENEFITS: Several factors could undermine the financial security provided by the proceeds of your life insurance policy.                               

Protecting Your Home 

INSURING YOUR FUTURE:  To help you chose insurance wisely, determine how much coverage and what kind of policy is best for your situation.      

Types of Health Coverage            

ASSESSING DISABILITY INCOME INSURANCE: Knowing the basics of a disability income insurance policy is a good first step toward protection your family

HMO's and PPO's 

ADDITIONAL LIABILITY COVERAGE:  Consider add'l liability ins. to help protect you from the potentially devastating effects of liability lawsuits.

EVALUATING INSURANCE COMPANIES:  Using a financially sound insurance company is an important part of ensuring your family's financial security.  

LONG-TERM CARE COSTS:  The odds of needig long-term care increase as you age. Prior planning can help protect you from the financial  ruin 

MEDICARE COVERAGE:  Medicare is the federal health insurance program for those pesons age 65 and over. But what does it cover?   

Long Term Care Needs:

  If you were to suffer an  illness or disability that required long-term nursing care, would you be covered?

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