(805) 339-0760


Insurance transfers the financial risk...

... of life's events to an insurance company. A comprehensive insurance program can help protect your family from the financial consequences of those events. A program can include personal insurance, liability insurance, and life insurance.

This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2016 FMG Suite.

Have a Question?

A Look at Whole Life Insurance
Whole life insurance remains in force as long as you remain current with premiums. Here’s how it works.

Understanding Long-Term Care
Understanding the types of long-term-care services—and what those services could cost—may be critical.

Disability and Your Finances
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Protecting Your Business from the Loss of a Key Person
Business owners may be able to protect themselves from the financial consequences of losing a key employee.
Articles 1
Calculators 2
Presentations 3
Videos 4

Keep Your Umbrella Handy
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.

Can Group, Private Disability Policies Work Together?
Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.

Understanding Long-Term Care
Understanding the types of long-term-care services—and what those services could cost—may be critical.

Term vs. Permanent Life Insurance
When considering life insurance, it’s important to understand your options.

Understanding the Basics of Medigap Policies
Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.

Planning for the Expected
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.

Long-Term-Care Needs
Determine your potential long-term care needs and how long your current assets might last.

Disability Income
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Assess Your Life Insurance Needs
This calculator estimates how much life insurance you would need to meet your family’s needs if you were to die prematurely.

Lifetime of Earnings
Estimate how much you have the potential to earn during your working years.

Protecting Those Who Matter Most
The importance of life insurance, how it works, and how much coverage you need.

Long-Term-Care Protection Strategies
The chances of needing long-term care, its cost, and strategies for covering that cost.

Your DNA Test
If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.
The Other Sure Thing
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?