Business Needs

• Key person insurance
  
• Buy-sell funding
  
• Wage continuation plans
  
• Executive compensation plans
  
• Pension/profit sharing/401k plans
  
• Payroll deduction life insurance
  
• Group term and group term alternatives
  
• Business continuation strategies

Personal Needs

• Life insurance
  
• Disability income insurance
  
• Estate planning
  
• Tax-favored savings plans/education funding
  
• Retirement planning
  
• Annuities
  
• Living needs benefits (for nursing home, terminal illness, etc.)
  
• Lowest cost term insurance
  
• Long-term care insurance

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