Insurance Planning Catastrophic financial loss to your loved ones and your business due to death, critical ilness or disability is not a fun topic to discuss.It is even less so AFTER a tragedy has occured, when it is too late to act.We can help you get the right protection at the right cost now, BEFORE something happens.Life InsuranceTermUniversalIndexed UniversalSingle PremiumSecond to DieKey Employee Buy-Sell AgreementDisabilityShort/Long-Term DisabilityIllnessCritical IllnessLong-Term CareLong-Term Care Schedule with Joe Roubik Your DNA Test Preparing for the unexpected can make all the difference if your family relies on your income. The Other Sure Thing Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared? Assess Your Life Insurance Needs This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance. Have a Question Name Email Address Phone Question Thank you! Oops!