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Insurance Services

The confiscatory nature of our tax laws, the desire to ensure the financial security of our loved ones and the need to insure complex business arrangements present engaging challenges to business people and professionals alike. For these and other reasons, insurance products have evolved as flexible and creative tools and solutions. Whether to accumulate and transfer wealth, defer compensation, fund business agreements, amplify pension benefits or mitigate the risks associated with estate tax liabilities, we use our expertise and experience to satisfy the unique needs of each client.

Products and Programs that provide the Solutions

Life Insurance

Long Term Care

  • Level Premium Term
  • Yearly Renewable Term
  • Return of Premium Term
  • Whole Life (Single Life & Survivorship Life)
  • Guaranteed Universal Life (Single Life & Survivorship Life)

Disability Insurance

  • Disability Income
  • Overhead Expense
  • Disability Buy-Out
  • Key Person
  • Reimbursement
  • Indemnity
  • Hybrid/Linked
  • Chronic Illness Plans & Riders


  • Fixed Annuities
  • Indexed Annuities
  • Rated Age Annuities
  • Group Annuities
  • Structured Settlement
Offered through Lincoln Financial Securities

  • Variable Universal Life (Single Life & Survivorship Life)*
  • Variable Annuities