We can't predict the future, but we can help remove financial uncertainty. Through the use of the latest strategies, we can help you meet personal and business needs. We can provide insurance protection commensurate with your dollar investment, and save you the problem of searching out different sources for different types of insurance.

We have a friendly and knowledgeable staff of insurance professionals who can underwrite and service your policies. They are the most important part of any insurance plan.

Planning now for the future is essential. You can depend on us to share you vision of tomorrow and help you achieve your goals.

At no cost to you, we will review your needs and survey available policies, plans and programs. We're looking to give you "something extra" for your premium dollar &endash; personalized, caring service. After review, we will recommend the best coverage from a choice of top insurance companies. Check the extensive list of coverages available; then give us a call!

• Life Insurance
• Health Insurance
• Accident Insurance
• Disability Income: Short and Long Term
• Annuities; For Retirement
• Financial Planning: Assistance in Identifying and Achieving Financial Goals
• Estate Planning: Assistance in Protecting Your Assets and Minimizing Your Taxes

• Group Life Insurance
• Annuities; For Retirement
• Payroll Deduction Plans: Life, Disability Income, Accident and Annuities
• Business Travel

• Life Insurance
• Deferred Compensation Planning
• Key Man Coverage
• Business Valuation Family Business Transfer Planning Buy-Sell Agreements
• Business Travel

When the Life division first began operations in 1971, its primary focus was to service the needs of our existing Property & Casualty accounts. Since those early years, the division has expanded and diversified into various other markets. Considered to be payroll deduction specialists, our agents serve the governments of Guam, CMNI, Palau, FSM and the Marshall Islands. As a leader in the insurance industry, we are climbing to new levels of success. Some of our most profitable line of products include:

• Group Life Plans
• Universal Life Plans
• Term Life Plans
• Cancer Plans
• Mortgage & Credit Life Plans
• Retirement Plans