Estate Planning

    * Irrevocable Life Insurance Trust
    * By-Pass Trust Funding
    * Charitable Remainder Trust
    * Charitable Legacy Plan
    * Pension Asset Transfer Plan

Retirement Planning

    * Non-Qualified Deferred Compensation
          o Retail - 401(k) Look-a-Like plans
    * Supplemental Non-Qualified Retirement Plans
          o Accounts Receivable Financing
          o Section 162 Bonus plans
    * 412(i) Defined Benefit Plans

Wealth Transfer Planning

    * Updating and Improving Present Insurance Policies
    * Asset Protection Plus (IRA & Annuities)
    * Life Settlements

Business Planning

    * Buy / Sell Agreements and Funding
    * Key Employee Insurance
    * Welfare Benefit Plans
    * Group Life and Disability Plans
    * Life Settlements
    * Executive Long Term Care

Types of Insurance Products

Life Insurance

    * Variable Life
    * Universal Life
    * Whole Life
    * Term Insurance
    * Group Term

Long Term Care

    * Lifetime premium plans
          o expense reimbursement   
          o indemnity
    * Limited payment plans
    * Single premium plans

Travel and Medivac Plans

    * International
    * Domestic

Disability Insurance

    * Individual Long
    * Group long term
    * Buy/Sell
    * Business Overhead

Insurance Companies

We only use companies with a 90%+ financial rating on the COMDEX for new business.

    * John Hancock
    * The Hartford
    * ING/Security Life
    * ING/ReliaStar
    * Mass Mutual
    * The Principal
    * Lincoln Financial
    * American General
    * Met Life
    * GE Capital
    * West Coast Life
    * Genworth Financial
    * Protective
    * Pacific Life