Life Insurance

Universal life insurance with premiums that may be paid-up in ten or more years.  The death benefit is guaranteed up to your age 120.

"RETURN OF PREMIUM" term life is new and very popular.  The plan returns all premiums you paid into the policy at the end of the policy term.

Tobacco users who smoke less than 10 cigarettes per day may qualify for life insurance with "Preferred Non-Smoker" premiums. 
 

Annuities

Interest rates continue to go higher.  Short term interest rates are around 5% and the best part is that earnings are tax deferred.  This is a great way to save for retirement.
 

Health Insurance

"Health Savings Accounts" are the big thing recently.  This is a good way to set aside money in an IRA type health savings account.  This money also accumulates with tax advantages.  Call for details.