Joint Life Insurance is an insurance on two persons - usually married. In general two types of life insurance policies are offered as Joint Life Insurance.

With First-To-Die insurance, when one of the insured individuals dies, the other surviving person receives the death benefit of the life insurance policy.

Second-To-Die type of insurance usually provides benefits to any surviving heirs when the last surviving insured individual dies. The policy can be designed to pay estate taxes or provide support to any surviving children.

Disability Insurance

• Disability Income
• Disability Business Overhead Expense
• Disability Buy/Sell

Disability Income insurance provides supplementary income in case of illness or accident resulting in a disability of the insured.

Disability Business Overhead Expense insurance pays for business overhead expenses in case the insured business owner becomes disabled.

Disability Buy/Sell is an insurance policy that provides cash for business partners to buy the business share of a disabled partner and thus helps protect the business and its operations.

Long-Term Care Insurance

Long-Term Care insurance provides benefits to the insured individual that help pay the cost of long-term care not covered by health insurance, Medicare or Medicaid programs.