An annuity is a financial retirement planning tool designed to protect against the risk of outliving one's resources.
Annuities are one of the few investments that allow your money to grow tax deferred. In this sense, you agree to make payments to the insurance company in exchange for which the company agrees to make payments to you at a later time for a specified period that may individual vary.
Tax are two types: fixed and variable.

Protective CRITICALanswerSM is designed to protect you and your family in the event you suffered a critical illness like a stroke, heart attack, or cancer and were unable to work during your recovery. Thanks to the living benefit provided by CRITICALanswerSM, if the insured suffers a covered critical illness, they would:
• receive a lump-sum payment upon first occurrence and diagnosis
• be able to use the funds any way you choose
• have the means to help maintain your lifestyle and protect your family
Today, more people than ever are surviving critical illnesses, only to be devastated financially Protective CRITICALanswerSM is the only critical illness insurance that provides all 3 of these features within the base policy:
• Multiple payment benefit
• Lifetime coverage
• Return of premium upon death

If you need to be there to pay your business expenses if you become disabled and can’t work, disability insurance is a Income Protection. Overhead expenses covered include:
■ Rent, lease and mortgage payments (including principal and interest)
■ Employee salaries
■ Utilities (including phone)
■ Property and payroll taxes
■ Payments for office equipment, and more!
Premiums may be tax deductible..

Dental&Vision insurance represent a Dental Care Plan, a financial instrument that coverage 50% and 80% of clinical treatment expenses.

Private health insurance is coverage by a health plan provided through an employer or union or purchased by an individual from a private health insurance company.
source: www.census.gov

Long Term Care includes a wide range of medical and support services for people with a degenerative condition, a prolonged illness or cognitive disorder. Long Term Care can be provided in many commons ways including nursing homes, your own home, assisted living facilities and adult day care.

Many people are looking for insurance coverage that will provide a high benefit amount at a low rate. Term insurance offers excellent death benefit protection at very affordable rates. Plus, you can buy coverage for the exact period of time you need it.
For example, until the kids are out of college or the mortgage is paid off.

Universal life insurance provides long-term coverage, and can build cash value and earn interest on that cash value – all while protecting your family’s financial future.
Universal life insurance provides flexibility through a wide range of death benefit and premium amount choices.
This can help you to meet your needs as they change throughout life.

Unlike term insurance, whole life offers coverage for your entire life, and it accumulates cash value, which is accessible in the form of loans or withdrawals. Coverage to benefit varying ages and family situations.
Permanent life insurance, such as whole life, universal life or variable universal life, covers you for the duration of your lifetime. It also offers a feature that's commonly viewed as a strong selling point: cash value. So, a part amount goes toward a separate cash value account that grows tax-deferred over time.