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Serving Norfolk Since 1985

Call Curt Hjorth at (402) 371-2287

The LTC Insurance Specialist

Life Insurance

Life Insurance

Final Expense Insurance, Universal Life, Whole Life and Term Life Insurance plans. We help you plan for the next step.

Final Expense Insurance

Final Expense Insurance

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also known as burial insurance. Unfortunately, even bare bone funerals can cost thousands of dollars.

Universal Life

Universal Life

Universal life insurance is a form of permanent life insurance that may provide life insurance protection along with the benefit of flexible premiums, and cash value buildup, similar to the savings element in whole life insurance.

Whole Life

Whole Life

Whole life insurance, or whole of life assurance, sometimes called "straight life" or "ordinary life", is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date.

Pension Management

Pension Management

Pension maximization is a strategy to gain death benefit protection and to help get the most out of defined pension plans. With this strategy, a life insurance policy is purchased on the life of the plan participant prior to retirement.

Term Life Insurance

Term Life Insurance

Term is a type of life insurance that provides a potential death benefit for a fixed period or "term". There are also annual renewable term "ART" where premium increases each year- that is not popular with consumers, and is usually found as part of an employee benefit plan.