Life Insurance
Provides financial compensation to the contract owner’s beneficiaries in the event of the contract owners death. Group life insurance coverage can be cost effective and easy to establish.

Health Insurance
Provides financial compensation to the owner of the plan. It covers doctor and hospital visits. There are three types: Major medical, Indemnity, and HMO packages. HMO packages include Blue Cross, Keystone, Aetna U.S. Healthcare. In 1997 we have the start of the Medical Savings Accounts offering major medical coverage with savings. If the savings account is used for medical reasons it can be withdrawn tax free.

Disability Insurance
Personal income protection if you are unable to work due to sickness or injury. Monthly disability benefit will be paid to cover a fraction (60%) of your income.