Products & Services
Personal Lines Of Insurance
Personal lines of insurance are designed to protect you and your family from
suffering financially when losses such as fires, accidents or injuries occur.
Auto, home and umbrella policies are designed to protect your family from
financial loss arising from personal liability claims against you and protection
from financial loss if your property needs to be repaired or replaced.
Homeowners
Homeowners insurance offers protection for your dwelling (home) your belongings
in the home and your personal liability exposure in day to day activities.
Auto
Auto insurance is coverage designed to offer protection from serious financial
loss resulting from automobile related incidents. Coverages include medical
expense and liability coverage for you and your family. Coverage for damage
to your autos is also available.
Umbrella
An umbrella policy provides additional liability coverage over your homeowner
and auto policies. Coverages can include personal injury, worldwide liability
and higher limits of $1 million. Coverage up to $5 million may be available.
Boatowner
A boatowners' policy is designed to provide liability and hull coverages
for privately owned watercraft. Flexible programs are available for boats
up to 65 ft. in length.
Motorcycle
Motorcycle policies provide coverage for your liability as an owner/operator
of a motorcycle and you can elect to have coverage for damage to the motorcycle.
Jewelry
Jewelry can be added to a homeowners or tenants policy to provide broad coverage
for replacement or repair to your valuable jewelry items.
Commercial Lines Of Insurance
Commercial lines of insurance are specifically designed to meet the
needs of businesses, institutions and organizations.
Business Auto
A commercial auto policy provides liability coverage for the business that
owns the vehicles and the employees who drive them. Coverage for damage to
the vehicles can also be provided.
Business Owners' Policy
A Business Owners' Policy, or BOP, is a package policy specifically designed
to address the needs of owners of small to medium-sized offices, apartments,
retail stores or service and processing businesses.
Workers Compensation
A workers compensation policy is designed to provide coverages to employees
that are injured on the job and protects the business owner from those expenses.
Contractors Insurance
This policy provides property and liability coverages that can be tailored
with optional or additional coverage to fit a variety of contractors needs.
General Liability
General liability insurance offers protection from the results of someone's
negligent acts which cause another person a financial loss.
Professional Liability
A professional liability policy offers protection for negligent acts that
occur during the course of doing business may cause another person a financial
loss. Doctors, lawyers and other professionals benefit from this insurance.
Inland Marine
This policy is used to provide coverage for property that only has limited
coverage under other policies.
Health Insurance
Health insurance is a policy that protects you and your family from financial
loss due to medical expenses.
Financial
Financial lines of insurance are designed to plan for your future
Life Insurance
Universal Life
This is a flexible premium, adjustable death benefit life insurance policy
that can work for you. The premium payments can be designed to meet your
budget.
Whole Life Plans
Whole life plans include Extra Credit Whole Life and Extra Credit Life. These
policies are paid at age 75 and are permanent life insurance policies that
have the guaranteed features necessary to design a solid life insurance program.
Second-to-die Whole Life
This is a legacy policy which insures two lives with a single policy. Death
benefits are provided when the second insured dies.
Single Premium Extra Credit Whole Life
This is a permanent plan of life insurance purchased with a single premium
payment. The plan offers a guaranteed level death benefit and guaranteed
cash value.
Term Life Insurance
Three Year Term
Three Year Renewable and Convertible Term Plan provides a level death benefit
which is renewable every three years through age 68 and convertible through
age 65.
Term Ten Plus
Premiums under this plan are projected to be level for the first ten years
and increase annually in year 11 to age 95.
Twenty Year Term
This plan provides a level death benefit with premiums projected to remain
level for the first twenty policy years and increase annually beginning in
year 21 to age 95.
Mortgage Decreasing Term
This plan is a term life insurance policy with level premiums and decreasing
death benefits. The death benefit decreases annually based on a 10% interest/amortization
schedule.