Services

Six specialties. Independent of any single carrier.

Fixed indexed annuities, fixed life insurance, long-term care, disability, accident, and property & casualty. Not a securities practice.

Fixed Indexed Annuities

Fixed, multi-year guaranteed, and income annuities are insurance contracts — a paycheck from an insurer, not a market bet.

Fixed Life Insurance

Term, whole life, and other non-variable designs — a known amount of money in a known place at a known time.

Long-Term Care

In the Indianapolis area, a private nursing-home room now runs on the order of $11,500 a month. That is a plan-breaker if it is paid from savings alone.

Disability Insurance

For working years, the largest unprotected asset is often not a house or a farm. It is the ability to earn.

Accident Insurance

Accident-only coverage pays a scheduled benefit for injuries, emergency care, and accidental death — on top of health insurance, not instead of it.

Property & Casualty Insurance

The income plan is only as sturdy as the house, the vehicles, and the liability sitting under it.