In addition to the employee benefit advisory services we offer, we also help individual clients assess their overall insurance needs and recommend retail insurance product solutions such as:

1. Life Insurance: Provides a financial benefit to a designated beneficiary upon the death of the insured person.
2. Fixed and Indexed Annuities: Offer tax-deferred growth and the option to receive a stream of income in the future, helping individuals plan for their financial needs in retirement.
3. Health Insurance: Covers medical expenses incurred by the insured, including hospitalization, medication, and doctor visits.
4. Disability Insurance: Offers income protection in the event that the insured becomes disabled and unable to work.
5. Long-Term Care Insurance: Covers the costs of long-term care services, such as nursing home care, home health care, and assisted living facilities.
6. Critical Illness Insurance: Provides a lump-sum payment if the insured is diagnosed with a critical illness specified in the policy, such as cancer, heart attack, or stroke.
7. Dental Insurance: Covers dental care expenses, including routine check-ups, cleanings, and procedures like fillings and root canals.
8. Vision Insurance: Helps cover the costs of eye exams, glasses, contact lenses, and vision correction surgery.
9. Pet Insurance: Covers veterinary expenses for pets, including illness, injury, and preventive care.

These are just some examples, and there may be other specialized insurance products available depending on individual needs and circumstances.