Creative Solutions and Solid Experience.

The concept behind insurance is simple: It can help your family maintain the lifestyle they love and provide long-lasting financial security when the unexpected happens.  Insurance contracts themselves are more complex.  Our team has decades of expertise evaluating the type, cost, insurance company financials and other nuances that should be critical in your decision-making process.   

In addition to providing protection at death, insurance is an incredibly efficient way to leverage assets and provide protection when it is needed most. Whether you’re looking to explore long term care insurance, income protection insurance or would like to explore using life insurance as a vehicle to provide income in retirement, we have a long tradition of helping families evaluate insurance needs and provide the optimal solution.

What most differentiates us is the experience you’ll have along the way.  We simplify complexities, provide a dedicated professional to advocate for you throughout the underwriting process, provide ongoing reviews of your contract(s),  and most importantly, serve as a personal point of contact when it matters most.

If you are new to the world of life insurance, it is easy to get overwhelmed by all the confusing jargon and information out there. So, what is it, how does it work, and do you need it? We would be happy to help you answer these questions. 

L&H is independently-owned, and thus, not tied to any one insurance company, product, or provider. Our goal is to help you select the best option for your unique situation.


  • Individual life insurance 
  • Trust owned life insurance 
  • Disability / Income replacement 
  • Long Term Care protection 
  • Life Settlements