Our Insurance Philosophy

People buy insurance in order to transfer a risk they are uncomfortable carrying themselves.  This simple fact is often forgotten with the many assumptions built into many insurance products today.  If we have purchased a policy with a premium cost based on some outside investment, and if that investment can rise and fall irrespective of the clients control, then have we truly transferred the risk?  We think not.

People buy life insurance primarily for the death benefit it provides.  We strive to use only life insurance policies with guaranteed premiums and work closely with each client to determine how long they would like their death benefit to last.