Our Services

Apartment and Home

Home insurance or homeowner’s insurance is an insurance policy combining various personal insurance protections, such as losses of home and its contents, as well as financial protection against disasters.

The cost of HOI mostly depends on the cost of replacing the house and the additional endorsements or riders attached to the policy. The price estimation is made considering such major factors as location, coverage, and the insurance amount which is based on the replacement cost.


Investment annuities save money for retirement and beneficiaries, that is you make an investment in the annuity, and it then makes payments to you in the future. Structured settlement annuities utilize annuities in order to provide periodic payments to claimants in personal injury cases or lottery payouts. Two basic annuity types are Income Annuities and Deferred Annuities.

Life Insurance

Life insurance aims at providing financial protection to the surviving dependents of an insured after his/her death. Life insurance includes several insurance channels, like whole life (provides for insurance coverage of the contract holder for his/her entire life), term life (provides coverage for some sum of money during given period of time), universal life (a permanent life insurance featuring an investment savings component and low premiums), and variable universal life (VUL, a permanent life insurance policy with a built-in savings component) policies.