Services

COMMERCIAL:

BUSINESS OWNERS
Liability claims and property damage can be detrimental to your business. With the right Business Owner's Insurance, you secure yourself against risks including property loss or damage, business interruption losses and liability claims arising from your operations or defective products.

GENERAL LIABILITY
Protect your business' assets from large amounts of liability claims for property damage and injuries. Make sure to get General Liability Insurance that is most appropriate for your needs.

COMMERCIAL AUTO
Accidents involving your delivery vans, service trucks and other company vehicles can be damaging and disruptive to your business. Don't take any chances. Get the proper commercial automobile insurance for your vehicles.

PROFESSIONAL LIABILITY
Professionals such as physicians, lawyers, accountants, real estate brokers and insurance brokers secure themselves against liability claims with professional liability insurance. The policy covers for any claims against them for damage or losses that may be suffered by their clients in the course of their professional services.

WORKERS COMPENSATION
Workers Compensation Insurance assures the employees of financial help in the event of workplace-related illnesses, injuries, and diseases. Likewise, it secures the business owner against possible liability claims arising from the said accidents.

COMMERCIAL PROPERTY
Secure yourself financially against potential legal claims as well as damage or loss of your commercial property due to fire, theft, and other disasters. Insure it with the right amount of Commercial Property Insurance.

 

PERSONAL:

AUTO
Road accidents can be traumatic. With Automobile Insurance, you help prepare yourself financially in the event of collision, theft, fire and other accidents involving your car.

HOMEOWNERS
Secure yourself from the disruptive effects of fire, theft and other perils on your home with Homeowners Insurance. The policy covers for any damage or loss to your house and the personal items therein as well as from liability claims.

RENTERS
Renters Insurance helps protect the renters against liability claims and damage or loss of their personal possessions within the leased property in case of fire, burglary, and other perils.

CONDOMINIUM
Condominium Insurance secures the condominium owners financially in the event of liability claims and damage or loss of their personal belongings due to fire, theft, and other disasters.

MOTORCYCLE
Get your scooter, superbike, or moped specialized Motorcycle Insurance that is customized to your needs, usage and the risks that your property is exposed to.

BOAT AND YACHT
You boat could be one of your priceless possessions. Make sure to get Boat Insurance to secure you against liability claims and damage or loss of your watercraft in case of sea collision, fire, pilferage, storms and other catastrophes.

 

LIFE:

TERM LIFE
With life insurance, your loved ones are assured of financial help in the event of your untimely death. The proceeds can pay for final expenses such as funeral and burial costs, estate taxes, and mortgage debts. A term life insurance is coverage with a specified number of years.

PERMANENT LIFE
Take care of your loved ones' future by helping them prepare financially for the unexpected with the right amount of life insurance. This plan is most appropriate for individuals who have needs which are most likely not to change over their lifetime.

 

DISABILITY:

DISABILITY
Complement your health insurance with disability insurance to help ease your financial burden in the unfortunate event of a disability.

 

MEDICAL INSURANCE:

GROUP HEALTH
Group Health Insurance is health care coverage for a group of persons such as company employees or members of associations. Take advantage of lower premiums by getting Group Health Insurance.

PERSONAL HEALTH
Your family deserves only the best. Ensure quality health care for yourself and your family by getting the right health insurance for your needs.

LONG TERM CARE
Elderly and nursing home care costs not covered by health insurance can add to the emotional strain of the families. Make sure to get Long-term Care Insurance to ensure continued quality medical care of your loved ones.

DENTAL HEALTH
For quality dental care, make sure to have Dental Insurance coverage that rightly matches your family's oral health needs.

TRAVEL MEDICAL
With Travel Medical Insurance, you are assured of medical health care coverage while traveling abroad, whether on vacation or on business trip.

 

FINANCIAL PLANNING:

401K PLAN
Plan today for your retirement by investing in your company's 401(k) or retirement plan. This investment option features a tax-deferred savings plan of the principal and earnings until its withdrawal.

ANNUITIES
Secure financial freedom for your retirement with an investment in annuities. This plan allows you to accumulate tax-deferred funds and at your option, a guaranteed income through periodic payments for a fixed period of time. It may also include a death benefit that will pay your beneficiary a guaranteed amount.

TRADITIONAL IRA
In Traditional IRA, contributions are often tax-deductible. With it, you realize the tax benefit immediately unlike the ROTH IRA where benefits might be affected by future legislations. Also, if you expect to be in a lower tax bracket during retirement than in working years, Traditional IRA offers and increased incentive.

ROTH IRA
Its principal advantage is on the tax issues because contributions are made only from income already taxed and withdrawals up to the total amount contributed are federal income tax free. Also, at any time, you may withdraw up to your total contributions without tax or penalty.

SIMPLE IRA
SIMPLE stands for "Savings Incentive Match Plan for Employees". It is an employer-provided retirement plan funded by a pretax salary deduction. Contribution limits are generally lower than other employer-provided plans.

SEP IRA
"Simplified Employee Pension" IRA is for business owners intending to provide retirement benefits for themselves and their employees. SEP IRA contributions are considered part of a profit-sharing plan wherein the employer may contribute up to 25% of the emplyee's salary.

SOLO 401(K)
This applies if you're self-employed or a small business owner having no other full-time employees except when that other full-time employee happens to be your spouse. It bears stressing that SOLO 401(K) is a tax-deferred retirement plan, thus you pay no income tax on plan contributions or earnings until you withdraw money from the plan.

403(B) SALARY DEFERRAL
This applies to employees of religious, charitable, educational, scientific and literary orgnizations or public school systems. The funds are usually withdrawn at retirement. Early withdrawl is likewise allowed but penalties apply.