Why Choose us

Long-Term Care & Disability Insurance

Income and asset protection are important components of a sound retirement strategy. Planning for disability and long-term care needs is critical to a successful financial plan, ensuring the protection of income and assets for family members and heirs.

DISABILITY INSURANCE – A disability can occur at any time, the probability of which increases with age. A disabling event often coincides with peak earning years, when individuals are funding their retirement goals. Social programs provide modest benefits and can be difficult to obtain. Many people who rely on their occupation to cover their living expenses choose to protect their future earnings with disability income insurance. Coverage can be obtained individually or employers can provide individual policies in addition to existing group long-term disability benefits.

Employer-sponsored individual disability programs allow an executive to obtain more coverage with limited underwriting and at discounted premiums.

LONG-TERM CARE (LTC) INSURANCE  – Long-term Care encompasses a wide range of supportive and health services that are required when an individual suffers from long-term disability or chronic illness, or an accident renders them physically or cognitively unable to care for themselves for an extended period. Medical insurance covers hospitalization, not assistance with activities of daily living (ADLs) such as getting dressed, eating, or bathing. Other social programs require assets to be exhausted before providing assistance or only provide nursing home care for a limited period after hospitalization, not care at home where most prefer. Assistance for services helping with activities of daily living can be very costly. Many people choose to protect themselves against this risk by purchasing long-term care insurance to provide a dedicated stream of income in the event care is needed.

This allows the individual to maintain their independence and their family members to supervise where and by whom care is provided, rather than provide care themselves or make decisions on how to pay for care.

Discover our other solutions

Wealth Management

Affluent clients often belong to families comprised of several generations: individuals with differing values, preferences, objectives, and geographic locations.


An annuity refers to a contract between an owner and an insurance company, where the owner deposits money into an insurance contract, and the insurance company, in return, provides an income stream.

Corporate Benefits

Life insurance is a powerful and flexible financial instrument with many useful applications for companies of all sizes. For business owners, it can help facilitate business continuity.

Life Insurance

Life insurance is a key financial asset that serves a wide variety of purposes, providing financial support to heirs and charitable organizations, indemnification against the loss of a key person in your business, funding of a business continuation plan, and as a benefit for executives and employees.

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