Life Insurance – Individual & Business

Be prepared for the worst.

Life Insurance – Individual & Business

One of the greatest gifts you can leave behind for your loved ones is financial security. Your needs change with important milestones like college loans, marriage, divorce, home ownership, parenthood, and retirement planning. We review the types of insurance available to evaluate the best option or combination for you and your family.

1. How can you protect your short-term needs?

Term insurance is low-cost, temporary coverage for short-term goals. Structured to provide protection during the length of your home mortgage, college loans, or extra protection while your family grows.

2. What can you do when your needs become permanent?

Whole life insurance is a simple, guaranteed method to provide life-long protection. It provides a conservative approach to your estate planning. Universal life insurance is a flexible product.

If properly funded, the cash value accumulation might allow you to alter your premium payments without jeopardizing your death benefit. Loan options allow you access to cash value for unexpected expenses or college financing.

3. Who will run your business?

The premature death of a business partner negatively impacts your business. Each owner typically provides a skill or service that will need to be replaced. In just a short time, a loss of income and inadequate cash flow could close your doors.

It may require you to sell out to a competitor. Your surviving family members need financial stability and reassurance. Our carriers offer Buy-Sell agreements that can become a part of your business succession plans.

4. Can a top employee take your place & help the business survive?

The loss of a key employee can potentially devastate your business. Many firms rely heavily on highly skilled individuals that provide you with above and beyond performance and expertise. Key Person insurance attracts these individuals by providing the security for their families. It gives your business the opportunity to attract another quality employee.

5. How can you help your employee’s family?

The first thing your employee’s family asks after they pass away, “How much life insurance did they have with your business?” Group term life provides your employees with low-cost coverage to help with the financial burden. Your employees leave behind funds for their family to pay their mortgage, debt, college tuition, funeral costs, and daily living expenses.

Life & Health Insurance Contact

What Our Clients Say

Thank you, Lisa - for all that you have done and all that you continue to do. I will NEVER hesitate to send a client your way, and I will certainly never worry about whether or not they are in good hands.

- January M. Peavey

I wanted to thank you for assisting my grandparents with their business insurance. Your personal attentiveness as well as your attention to detail and hands on service was exceptional. Thank you very much for helping them to get the coverage they need at an affordable price.

- Tracy Bryant

The knowledge your office provides has made the experience positive for the customers I've sent to you. I want to express my sincere gratitude to you for all you do to make the process as stress free as possible.

- Darla Frost

I've always been a bit overwhelmed and hesitant when speaking to to insurance representatives for any type of insurance, but when I started working with Lisa concerning a side venture, all that changed. We ended up with coverage that far exceeded the 'other guys' and for a fraction of the cost. I would recommend her for any of you commercial insurance needs.

- Matthew J Hunt

Dear Peter, Thank you for your great service and care you have shown us. We will be getting our car back Thursday. It was actually a pleasure doing business with you and Macomber, Farr & Whitten… minus our car accident. Thanks again,

- J Walsh & J Sullivan

Peter, I appreciated your personal note that you sent. We have always received excellent service from your agency.

- Anita C.

Year after year, Lynn's insurance knowledge and situational awareness have enabled us to navigate complex changes to our employer sponsored health plan. Last renewal she spotted an overlooked, seemingly minor change in our group census that led to a 9% premium savings for the year.

- - Nathan C.

Working with Lynn has consistently resulted in insurance coverage that is affordable and cost effective. She is always focused on both our needs and resources while working tirelessly exploring all options.

- Thomas G. Warren

Reliable Service Since 1848

It used to be so simple. All an insurance agency had to do was offer a few different types of coverage: home, life, and eventually auto. Things hardly changed from year to year. Today, the world operates in a faster; more complicated manner. More is at stake. There’s a lot more to lose. Consequently, insurance is more complicated, too.

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