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Learn about our insurance products and policies including annuities, life insurance, accidental death and dismemberment, and long-term care.


Annuities are becoming an increasingly popular investment choice amongst individuals. An annuity is an insurance product that can be used to help provide a consistent stream of income during retirement.

We offer Fixed, Variable, Equity Indexed, and Fixed Immediate Annuities from some of the most trusted insurance providers.

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Life Insurance

In the event your income suddenly stops or in untimely death, life insurance can help financially cover the ones you love. We offer term and permanent life insurance products provided by some of the industry’s leading insurance companies.

Additionally we offer Long Term Care coverage to help provide for the cost of long-term care for those who are no longer able to perform the basic activities of daily life beyond predetermined period.

Long term care can often cover the cost of at home care, assisted living, adult daycare, respire care, hospice care and nursing home. Our CFS Financial Representatives are licensed to help you decide on the coverage that best fits your needs.

Understanding Life Insurance

There are two main types of Life Insurance, term and permanent.

Term is simply a basic insurance policy that provides coverage for a limited time period.

Permanent coverage is similar to a term insurance policy but has an additional investment component known as the cash value. Permanent coverage includes variable, universal, and whole life insurance policies.

Both term and permanent insurance offers proceeds that are federal income tax-free and are paid directly to your designated beneficiaries which allows them to avoid the administrative time and costs of the probate process.

Understanding Permanent Insurance Policies

Variable Life is a permanent insurance policy with an investment component tied to a stock or bond mutual fund. Return on investments are not guaranteed.

Universal Life combines the aspects of term insurance with a money market account type of investment. To get higher returns, they usually don’t guarantee a certain rate.

Whole Life policies remain in force for the insured’s whole life and requires premiums to be paid every year into the policy.

Long Term Care

Long-Term Care Coverage can help cover the rising cost of assisted care if you become unable to care for yourself. This form of coverage can help cover the cost of assisted care that is not generally covered by health insurance, Medicare and Medicaid, such as nursing homes, assisted living, at-home, hospice, and Alzheimer care.

Cover the Cost of Assisted Care

We offer Long-Term Care Coverage to help you cover the cost of long-term care for those who are no longer able to perform the basic activities of daily life beyond a predetermined period. Long Term Care coverage usually covers the cost of care not generally covered by health insurance, Medicare, or Medicaid such as at home care, assisted living, adult daycare, respiratory care, hospice care, Alzheimer care, and nursing homes.


Accidental Death and Dismemberment (AD&D) insurance protects against accidental deaths and dismemberment that could happen on the job or off the job.

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