Life, Disability, Annuities

Protection for you and your loved ones
Life Insurance

Why do people purchase life insurance? People look into life insurance for many reasons. They may want financial security for their loved ones, education funding for their children or grandchildren, to cover estate taxes, student loans, mortgages, car loans, credit card debt. People also look into life insurance to be sure that they leave a legacy with a charity, church, etc…
Children’s life insurance? Is that really necessary? There are many benefits to purchasing life insurance for your children or grandchildren. The most often thought of is to cover final expenses in the event of a tragic occurrence, and provide some financial security while you take time off work. However, there is another, often over looked, reason to look into life insurance for children… A whole (or universal) life policy will ensure that your loved ones have insurance as they get older. Can you guarantee that your child will remain in perfect health until they are ready to purchase their own life insurance (20 or 30 years down the road)? A whole life policy will be in force, provided the premiums are paid, for your child’s entire life…Regardless of what happens to their health history in the meantime.

Life Insurance – Perfect for…
Parents, children, grandparents, business owners, husbands and wives, key employees…. Does this describe you?

Contact us for more information!

Disability Income Insurance

What is your most valuable asset? Here is a hint: it isn’t your home, auto or jewelry. It is your ability to earn your income. If you were disabled (either from illness or injury) who would pay your bills?

Disability income insurance provides money to replace earned income while you are disabled and not able to work.

We are proud to offer Auto-Owners disability income insurance to our clients. Please call us for more information or for a quote!

We are proud to provide Auto-Owners Insurance Annuities
A nonqualified deferred annuity is one which is not used as part of any qualified retirement plan, Traditional IRA or Roth IRA. Contributions made into a nonqualified deferred annuity are not income tax deductible. However, the amount contributed is not limited to a certain dollar maximum each year, and the earnings of the deferred annuity accumulate on a tax deferred basis.

IRAs are government approved qualified programs to help people plan and save for their retirement years. Many individuals have the option of choosing to invest in a “Traditional” IRA and/or a “Roth” IRA. Auto-Owners uses deferred annuities to fund either of these tax advantaged plans.