When you work with us, you NEVER pay us a fee and you CAN’T get the insurance for one penny less elsewhere. Specializing in Long Term Care Insurance, Hybrid Life Insurance, Executive Bonus Plans, Buy/Sell Agreements, Medicare Supplements, Medicaid Annuities, Life Insurance, Financial Planning, Disability Insurance, Short Term Medical. We specialize in understanding and evaluating insurance contracts. Knowing which contracts offer greater flexibility will work to your advantage, and most often don’t cost you anything extra. Just minor words like “calendar days” vs “service days” could cost you tens of thousands of dollars at claim time. Our objective is to make sure you get the best policies with the broadest coverage and at the very best price. Plus we provide you with free unrivaled support for life.