Insurance –

We are set up to handle your insurance needs in the following categories:

• Long Term Care

• Life

• Health

• Disability

Annuities – These annuities are available: Fixed, Indexed, and Variable. Each insurance company and annuity has its own offerings which are found in the prospectus for each. Generally speaking,

-fixed annuities offer you a fixed percentage of return no matter what the overall market does.

-Indexed annuities will give you a percentage of the growth in the index to which it is attached, for example 45% the annual rate of the S&P 500.

- Variable annuities allow you to take greater advantage of the overall growth of the market, while still maintaining the relationship with the insurance company and the offerings contained in the annuity contract.