Life Insurance pays a specified sum of money to a named beneficiary upon the death of the insured. The proceeds can be used for final expenses, to compensate for lost wages, or to establish an estate. There are several different types of life insurance policies to satisfy a wide variety of needs and estate plans.

Disability Income Insurance provides a replacement of income when the insured is unable to work as a result of injury or sickness. Disability Insurance policies vary regarding the definition of disability, the amount of payment, the time before benefits are payable, the maximum benefit period and whether or not coverage is provided in addition to worker’s compensation benefits. All of these variables are determined at the onset of the policy based on the insured specific needs.

One of our representatives can help you decide what kind of life insurance or disability policy would be best for you and your family. As an independent broker, Fanelli, Harley, Harper & Associates. is not limited to a few off the shelf products – we can survey the market for the best policy to suit you personally in case of an accident or prolonged sickness.

We represent excellent insurance carriers that offer comprehensive coverages that protect you and your family. Some of the companies we utilize include: Assurity Life, Guardian, Mass Mutual, Unum, CNA, Banner, First Colony, Transamerica, Guardian Life.