Services

Six specialties. Independent of any single carrier.

Fixed indexed annuities, fixed multi-year guaranteed annuities, and income annuities — plus fixed life insurance, long-term care, disability, accident, and property & casualty. Not a securities practice.

Fixed Indexed Annuities (FIA)

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

Fixed Life Insurance

Fixed life insurance: term for a defined window, and indexed universal life when the death benefit has to last. Not variable life. Not a securities product.

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.