Products and Services

Over the years our clients have learned to recognize the value of good financial advice. Advised planning will help you make good decisions for a solid financial future. We offer a wide range of insurance and financial planning services to meet your specific circumstances.

• What is life insurance?
• How much life insurance should I have?
• Who will receive money if I die? How much?
• Does it matter how I die as to how much my beneficiaries will collect?
• Who can I name as my beneficiaries? How often can I change them?
• Are there different types of life insurance I should consider?
• Do I have to die to collect life insurance?
• Will I ever need to requalify to keep my life insurance policy, as long as my premiums are paid on time?
• How do they set a price for life insurance?
• Which life insurance is less expensive--permanent or term?
• If term life insurance is less expensive, why buy permanent?
• If I need to cash in my life insurance at some point, how much will it be worth?

• What is the major purpose of health insurance?
• What are the major types of individual health insurance policies?
• Do I need an individual policy if I have group insurance at work?
• What is a major medical health insurance policy?
• How does a health insurance deductible work?
• What does "coinsurance" mean in a health insurance policy?
• What is the purpose of "coinsurance", "stop-loss", "maximum out of pocket", etc. Isn't this just complicating the policy?

• What does a disability income policy do?
• What does "disability" mean?
• How long can I collect under a disability income policy?
• Must I be disabled for a certain length of time before my disability benefits begin?
• What is a PPO?
• What is a HMO?
• What is the purpose of PPOs and HMOs?
• What if I want to go to any doctor or hospital I choose?

• How can I plan for college?