What is Quality of Life Insurance?

Quality of Life Insurance is coverage -- for auto, home, life, personal liability, and more -- designed to protect you and your family from life-changing financial harm due to accident, lawsuit, injury, or death. It's not one company or one product. The needs of every individual and family are different; the solutions will always vary from one case to the next. That's why you need a local, independent adviser/agent with lots of options, and the time and desire to serve you personally.

What are the elements of Quality of Life coverage?

• Auto -- Most people's second-biggest investment is also their biggest liability exposure. One accident without the right coverage can lead to financial ruin, loss of property, bankruptcy, or a lifetime of paying off judgments that can result from an at-fault accident.
• Home -- If you own a home it is probably your biggest investment. Total loss or major damage to your home can cause tremendous financial loss and family disruption. Proper, affordable coverage is crucial. Home liability is also important due to the serious injuries that can occur to visitors and the high cost of medical care. We have solutions that can greatly increase your liability protection for home and auto -- and beyond.
• Life -- The premature death of a primary wage earner or parent can be devastating. The proper amount and type of life insurance can minimize the financial effects of death on a family or business. It's a complicated and unpleasant subject be are happy to work with our clients to provide protection in this most important area, whether it's multi-million dollar term coverage or a simple final expense policy. 
• Business -- Those who own a business know just how risky their position is. All kinds of things can and do go wrong. We have access to nearly all types of business coverage. Whether you're a contractor, shop owner, truck driver, farmer, or professional, we have can address your situation.
• Health and long-term care - Coming in late 2012