Financial Education

If you have retirement funds that you're not currently using and want to maximize their value for the next generation, legacy protection may be the answer.

We often live as if there is nothing that can harm us. We rarely stop to think about what would happen if a debilitating accident,  chronic illness or terminal illness would occur.

People leave money to charities for many different reasons: generosity; religious beliefs; gratitude; hope for a better future. Whether you're wealthy or of more modest means, charitable giving may be a significant element in your estate plan.

When you first purchased your life insurance policy or other retirement accounts, you likely designated beneficiaries. When was the last time you reviewed the beneficiary designations for your accounts?

No matter where your business is located or your business's size, chances are you occasionally worry about whether the success you're enjoying from your business today will continue once you're no longer involved.

With training, experience and a wealth of resources, financial professionals make it their business to help guide each client through what can sometimes be difficult decisions.

When deciding whether to replace your life insurance policy, consider the advantages of your current policy, compare its benefits to a new policy, and carefully evaluate the consequences of canceling a policy. If uncertain, consult with a financial advisor to determine the best course of action for your existing policy.

Underwriting is the process by which insurance companies assess an applicant's risk factors, request additional information and tests, and make informed decisions to provide fair and affordable coverage.

There are many insurance terms, words and phrases you may need to know. Use this glossary of insurance definitions to help you better understand what each term means.