Personal Coverage

Auto

Kentucky law requires that you maintain minimum liability coverage on all drivers in your household. However, if you are a homeowner, you should consider higher liability limits. Motorcycle coverage is also available.

Home

Your home is a major investment. Insure your investment against loss. Even if you rent, you own personal property that could be lost or stolen. By adding renters insurance to your auto policy, you typically qualify for a discount on your auto premium.

Life Insurance

Life insurance is an important step in planning for your future and your family’s future. The death benefit is income-tax free and can be used to cover final expenses, repay debt, provide education or any other expenses your survivors may incur.

Health

If you are covered by health insurance at work, you are only partially covered. Deductibles and copays continue to rise. Consider supplementing existing coverage with other products. If you are currently uninsured, there are individual health products available to you. If you are looking for individual health insurance, you may request a qoute from the following link:

Annuities

Annuities are a great way to protect your savings for the future. Equity indexed annuities allow you to realize the gains from the market WITHOUT risking your principle while guaranteeing growth.

· Learn how to receive a significant bonus with your initial annuity investment.

· If you have a 401K to rollover, an annuity may be your answer.

· If you are using a money market as an investment tool, look at an annuity as an alternative.

Long Term Care

The average cost of a bed in a nursing home continues to increase. Long term care provides freedom of choice if you require an extended stay in a nursing facility. Medicare only covers acute stays. Consider a Long Term Care plan to protect your assets for your family.