Life, Disability, & Long Term Care Insurance

2022 Long Term Care Tax on all W2 Employees.


Don't get caught by surprise.  There is a new LTC tax on all W2 Employees unless you get an exemption by having an individual LTC policy.  The tax is .58% of your income and there is no cap.

You must have an individual LTC policy in place by NOVEMBER 1, 2021 or you cannot opt out.

Contact us for more information on your options for opting out.

Life Insurance

Protect your family.


What will happen to your family when you die?  Will they be able
to remain in their home, stay in college, or  pay their bills?  Life insurance is a way to take care of your family when you are no longer around to do so.

Disability Insurance

Protect your income.


We all know that we will die someday, but what will happen if you become disabled? A disability can be financially devastating.  If you cannot work, what will you do?  How long will you be able to provide for your family?  The average long term disability
claim is nearly 3 years (


Long Term Care Insurance
Protect your quality of life.

We all want to grow old gracefully, and on our own terms. Make sure that you can do so.  Medicare does not pay for most Long Term Care Services. 70% of people turning 65 can expect to use long term care in some form during their lifetime, and the average usage is 3 years (


I detest life insurance agents.  They always argue that I shall someday die , which is not so.


-Steven Butler Leacock, Canadian Humorist



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