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life insurance

Life Insurance

Life insurance can provide security for those who matter most to you while protecting and shaping your financial future.

Life insurance can protect your loved ones, provide income, potentially reduce future taxes, diversify your portfolios and protect the businesses you’ve worked so hard to build.

  • Term Life
  • Universal Life
  • Variable Universal Life
  • Whole Life

Disability Insurance

Disability Insurance Protects Your Income!

Your ability to earn a living is likely the most important financial asset you have. Disability insurance can help protect your income in case the unexpected happens.

  • Short-term disability insurance
  • Long-term disability insurance
  • Mortgage disability insurance
  • Supplemental disability insurance
  • Disability overhead expense insurance


Are you prepared? The average use of long-term care services is 3 years.

Long-term care expenses are a key risk to your retirement plan, and you need to plan for them. If long-term care is needed, it will affect you and your caregivers financially, physically, and emotionally. Having a plan to address these concerns is critical to easing the burden on you, your family, and your friends.

Long-Term-Care Plans:

  • Traditional stand alone
  • Hybrid living benefits


Annuities help people like you add certainty and confidence to their retirement income planning.

Annuities can protect the growth of your future income and provide reliable monthly income for the rest of your life.

  • Fixed Annuities
  • Indexed Annuities
  • Variable Annuities
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Keeping Summer Safe: Pool and Spa Safety Tips

Each year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity. 

This site is published for residents of the United States only. Registered Representatives of Cetera Financial Specialists LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site,visit the Cetera Financial Specialists LLC site at

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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