Morgan & Morgan has a broad range of services including:
No obligation risk reviews
Analysis of your current insurance program
Offer suggestions for improving your financial security "Safety-Net"
Find the exact match for your insurance/risk tolerance with the right insurance company
Recommend ways to lower your insurance premiums while still covering the essential risks
Prompt claims reporting and fast policy changes when needed
Avoid the financial impact of a premature death upon your family by creating and immediate estate with life insurance.
Term Life Insurance - When the need exists for financial protection but the Budget is slim. This policy is best suited for a short-term need and there is no equity within the policy. The Face Amount and Premium are normally locked in for a period of years, and then will renew but at a much higher rate. Not a good product for a "Lifetime" need.
Universal Life & Whole Life Insurance - These policies are considered to be "permanent" policies that create an internal equity and a re designed to last until death. Various "riders" can be added to cover spouses and children, waive or suspend the premium in the event of a Long Term Disability and even pay a family income benefit.
Financial Services/Retirement Planning
Plan now for your retirement with financial products that can add to your Social Security and Pension benefits to provide a comfortable retirement. We offer our financial planning service that may involve the use of the following products:
- Fixed Annuities
- Immediate Annuities
We analyze your commercial risks and cover your general liability, property, automobile and workers' compensation needs. Our business policies range from the smaller "Business owners" policy to larger "Package" policies that combine various coverage plans into one.
Don't wait for a large unprotected claim to Bankrupt the Business you have worked so hard to create. The cost to adequately cover your business is merely a small cost budget item that can become a tax deductible expense!
Protect your largest investment with a quality Homeowners policy that covers your Home, Contents, Loss of Use and Personal Liability all in one package.
We offer a wide variety of policies that are customized to fit your specific needs.
Personal Automobile Insurance
Normally, one of the largest risk exposures you will have is the potential Bodily Injuries and Property Damages that can be created by you and/or family members operating the family car(s).
We analyze you current policy and offer recommendations to improve your protection.
Additional Insurance Programs
- Health & Individual Group Insurance
- Long Term Care
- Medicare Supplements
- Estate Planning
- Business Planning
- Education Planning