Established in 1960 and led by a team with over 100 years of combined experience, our team specializes in ‘impaired risk’ life insurance for customers with medical concerns, estate planning (including high net worth customers), business continuity planning and financial underwriting. We pride ourselves on our exceptional relationships with our clients and work with insurance agents, brokers, property and casualty agencies, financial planners, benefit planners and accountants. 

Specializing in

  • Life insurance for impaired risk customers
  • Business continuity planning
  • Estate planning
  • High net worth estate planning

Highlighted Features

  • Highly experienced team of in-house underwriters, led by a Registered Nurse, offers onsite clinical underwriting
  • Access to the top impaired risk carriers
  • Unprecedented expertise to in-house impaired risk underwriters
  • State-of-the-art business processing center
  • Wide range of long term Care solutions
  • Access to over seven leading long term Care carriers and a wide range of products and programs to choose from
  • In-house long term care specialists
  • On-site sales assistance including workshops and seminars; customized training; and marketing support

Available Coverages

  • Term
  • Return-of-Premium Term
  • Universal Life
  • Indexed UL
  • Survivorship Life
  • Whole Life
  • Fixed Annuities
  • Long Term Care
  • Linked Benefits
  • Disability Income