For those turning 65 years of age and/or retiring from an employer-sponsored plan,  the Medicare sign-up process can be quite confusing and daunting. I have the experience and knowledge to guide my clients through the "Medicare maze".

There are many types of life insurance products to choose from, depending upon the reason for purchasing it. I can conduct a needs-analysis and explain the differences for each option. As with all the products I offer, I will shop all carriers to find the best premium and situation for you.

Long Term Care insurance has become very important in one's financial plan. Purchasing the right product is crucial, as it can be bought in different formats. I can discuss with you what your specific goals are and find the option best suited to your needs.

Having disability insurance can provide a sense of security; knowing that if the unexpected should happen, you'll still receive a monthly income. It is very important to find the right policy and understand the definitions within the policy as they apply to you. I will explain all of this and the impact it can have on your premium and benefits.  I work with many professionals, emphasizing  on physicians. 

Key Person Protection is a type of life insurance purchased on a key executive or business owner's life. This type of policy provides a company and the remaining partners with the ability to keep operations functioning while reorganizing after the death of a key executive or business partner. I will provide a needs analysis to determine the benefit of this type of policy to your business.

Short term medical insurance, also called temporary health insurance, can provide a temporary solution to help fill gaps in coverage. Whether you are in between jobs or looking for a "bridge" to Medicare, I can help.  In addition, I can assist you with securing international health insurance--coverage that protects you while on vacation, working overseas or studying abroad.