“Would your family’s financial needs be taken care of if the unthinkable happened to you?”

“Would your business continue and prosper if you were not there to run it?”

“How long could you go without a paycheck?”

“Have you planned for the income you will need at retirement?”

“What would an extensive Long Term Care expense do to your retirement nest egg?”

At Lovitt & Touché’s Life Planning Department,  we work with you to plan your LIFE’s future.   Our planning experts help you take the steps necessary to ensure the good things in life, like retirement, as well as the unforeseen challenges, such as death or disability are realized.

We partner with the highest rated insurance companies to bring you the widest variety and most effective products on the market.

No one knows what the future holds.  One moment life is unfolding exactly as you have planned and the next you are handed a life changing event.

Life Insurance

  • Insurance Needs Analysis
  • In Force Policy Reviews
  • Term Life Insurance
  • Guaranteed Universal Life
  • Whole Life

Disability Insurance

  • Full or Partial Disability Insurance
  • Business Overhead Protection
  • Mortgage Disability

Long Term Care Insurance

  • Reimbursement Plans
  • Indemnity Plans

Retirement Income Planning

  • Fixed Annuities
  • Index Annuities
  • Guaranteed Retirement Income
  • 401k Rollovers
  • IRA Rollovers

Business Planning

  • Key Person Life Insurance
  • Business Continuation (Buy-Sell Insurance)
  • Key Person Carve Out for Life & DI
  • Qualified & Non-Qualified Retirement Plans

Estate Planning

  • Estate Tax Analysis
  • Minimize Estate Taxes
  • Wills & Trusts
  • Life Insurance in Estate Plans