Most individuals have overlooked the importance of life insurance, long-term care, and disability income planning. Have you ever asked yourself the following questions?

What will happen to my family if I suddenly pass away? Will they be provided for?

• With the federal estate tax set to go back to 2001 levels effective 1/1/11, life insurance is one of the most effective tools to help your heirs pay this potentially costly tax.

Who will pay the bills if I become disabled and cannot work?

• Just because you become disabled and your future income is significantly decreased or fully eliminated, your mortgage and other costly bills still exist.

Who will take care of me if I am unable to care for myself? Who will pay the bills for the sky rocketing costs of a long-term care facility?

• Let us show you how Long-Term care Insurance should be part of your overall Insurance plan to protect your assets that you have accumulated over your lifetime.