Homeowner insurance - This policy provides financial protection against a covered loss such as a fire or tornado. The homeowner policy will cover your home and contents. It also provides liability coverage if someone is injured on your property. There are several optional coverage's on a homeowner policy. Replacement Cost insurance on your dwelling and personal items is one of the smartest ways to protect your investments.

Auto Insurance - This policy protects you against financial loss if you are involved in an accident. Liability coverage pays for others that are injured due to an accident. It also covers damage to property of others that you are found liable for. Personal injury protection (PIP) provides coverage for you or a covered family member if you are injured in an accident. Collision coverage pays for repairs to your car in a collision. Comprehensive coverage pays for auto repairs for damage caused by wind, hail, fire and some other type of damages. You may also purchase other coverage’s such as towing, rental reimbursement, sound equipment and more.

Life Insurance – is purchased to provide financial help to your family should you die unexpectedly. The money your dependents, such as your spouse and children, will receive from life insurance is called a death benefit. Life insurance is an important financial resource which can be used to pay-off the mortgage, college tuition bills, and other debts. Income generated by the death benefit is designed to replace the income that would have been generated by your job. Having a life insurance policy protects your family or business from having to sell assets to pay outstanding bills. Also, the beneficiaries will not have to pay federal income taxes on the proceeds of your life insurance policy.

Many types of policies are available, however the most common include: Term insurance provides protection for a specified period of time, typically from one to 30 years. It pays a death benefit only if you die during this term. Whole Life is designed to provide protection for as long as a person lives, this policy has a fixed guaranteed rate and develops guaranteed cash values. Universal Life this policy has more flexibility. Within certain limits, you can change the death benefit, the amount of premium and payment frequency. Unlike whole life, this is an "interest driven" policy, which normally pays a minimum guaranteed interest of 4% to 4.5%. If the interest rates are continuously low, additional premiums may have to be paid to avoid a lapse of coverage. Variable Life this policy has death benefits and cash values that vary with the performance of an underlying portfolio of investments that you select. The death benefit and cash value are not guaranteed. They can go down as well as up, although there may be a guaranteed minimum death benefit.

Health Insurance - is available in various forms. Individual medical, group medical, short term policies, student coverage are a few. Most policies provide coverage for hospital and surgical expenses, inpatient and outpatient physician expenses and ancillary expenses, such as x-rays, labs, and prescription medicine. Most policy holders will pay a deductible then normally a copay for all plans. Many group medical plans may include prescription cards, dental coverage and belong to a PPO or HMO for improved pricing.

Disability Insurance - is a type of health insurance that pays a monthly income to a policyholder who is unable to work because of an accident or illness. Disability income insurance, which complements health insurance, can replace lost income. At age 40, the average worker faces only a 14 percent chance of dying before age 65 but a 21 percent chance of being disabled for 90 days or more. Two types that may be purchased are Short-Term Disability policies that have a waiting period of 0 to 14 days with a maximum benefit period no longer than two years. Long-Term Disability policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Long Term Care Insurance - has become a very popular coverage for individuals age 50 and over. LTC policies are designed to protect your assets and preserve your dignity, by paying for nursing home stays, assisted living facilities or home health care visits. A daily or monthly benefit is paid to cover the expenses associated with these costly services. Typically before benefits kick in one must show the inability to perform two or three specific "activities of daily living" without help. These include bathing, dressing, eating, toileting and "transferring" or being able to move from place to place or between bed and chair or have a cognitive impairment.