We participate in a national shopping service designed to provide the best product to fit your needs. Additionally, we have markets available to help with "difficult" cases where there are underlying medical impairments, etc. We will aslo make sure that the product is structured appropriately in business or estate planning situations and will work with your CPA or attorney so that ownership and beneficiary designations are appropriate for the situation. Since we are appointed with many carriers, we strive to always prodvide the best solution for YOU.