Our life and financial services department provides a wide array of financial solutions to individals, families and businesses. Products offered include life, disability and long-term care insurance as well as annuities and other retirement products.

Life Insurance

Who will take care of your family and your financial obligations when you die?

How will your key employees and your family members be protected when you are no longer present to manage your business?

Who will make up for your charitable contributions to your church or charity when you die? Life insurance is the answer to these and many other financial questions. As an independent agent, we have a wide variety of life insurance companies to choose from.

Do not be misled into believing that answering a questionnaire on the Internet is an acceptable substitute for a local, caring insurance agent. There are a number of different life insurance programs available, and this variety can sometimes seem confusing. We can help you decide on the right type of life insurance policy and make important financial decisions for your individual situation.

Disability Insurance

If you owned a machine that generated thousands of dollars in income per year, would you insure it? Have you ever considered that you are such a machine? You insure your home, auto, life & health, but what about your paycheck? A long term disability could suspend or terminate your income for an extended period of time or may force you to close your business. Disability insurance protects your most valuable asset, your ability to earn an income. We offer a variety of affordable disability insurance plans to best suit your individual or business needs.

Annuities & Other Retirement Products

Perhaps one of the greatest financial challenges you will face in your lifetime is preparing adequately for your retirement. You will need about 60 to 80% of your pre-retirement net income to ensure the type of retirement you want. Social Security, 401(k) and pension plans will definitely play a big role, but you may need more income than they provide. Annuities, which accumulate value on a tax-deferred basis, are one of several products we use to fill this void.

Long Term Care Insurance

With the advances in medical science, most of us will live well into our golden years. It's important to think in terms of the "quality" of a longer lifetime. You spend your lifetime working hard and saving for the future to ensure your security and the security of your family. But, we cannot predict the future, and you could eventually need care services on a long-term basis. The cost of receiving these services can jeopardize not only your lifestyle, but also the estate that you've spent your lifetime building.

Long Term Care Insurance is a way to preserve the assets you've accumulated. Whether you're cared for in a nursing home, assisted living facility, or in your own home with a care provider, we have a variety of Long Term Care Plans for you to choose from.

Please contact John Hoogenboom at (800) 340-0563 to discuss any of these products.