We write all forms of Life Insurance from the inexpensive term to the permanant life policies. If you will provide us with your needs, we can then shop our companies to find the best value for you.

The information that we need is:

• Your age, sex and whether you are a smoker or not
• How much Life Insurance (death benefit) do you want
• A ball-park amount you want to spend on insurance per month
• Whether you want just the life insurance death benefit or wish to build a savings account (cash values) with the death benefit.
• Whether you are interested in any optional add-ons such as disability insurance etc.

We also write Health insurance- short term, individual, & group, Disabililty as well as sell Annuities and other financial instruments. We can provide assistance in 401K's, pensions, profit share plans, buy/sell agreements, split dollar and other business and individual needs.

You may contact us via email (Cardinal or Universal) or by calling 785-238-1138.