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Request insurance quotes for insurance products by completing any of the forms below. Please click on the "Submit" button. Once I receive your information, I will get in touch with you to discuss your current situation. If you have any questions about the form or the requested information, please don't hesitate to call (814) 266-8641.

I take your privacy seriously. Information provided will be kept in the strictest confidence.

Life Insurance The primary purpose of life insurance is to help you protect your dependents financially in the event of your death. Properly positioned, the benefit from a life insurance policy can help you provide a steady stream of income for your family. The money can be used to pay estate taxes and other obligations.

Annuity Annuities provide tax-deferred growth potential like qualified retirement plans, but contributions are not tax-deductible. Annuity contracts can be used very effectively to supplement your employer-provided plans or other retirement vehicles.

401k Information Request By far the most common employer-sponsored retirement plan is the 401k plan. The 401(k) plan is a defined contribution plan that allows individuals to make pre-tax contributions, while the funds contributed plus any earnings accumulate tax deferred.

Disability Insurance Disability insurance helps replace income lost because of an accident or illness. One survey found that 43% of people aged 40 will suffer a disability of at least 90 days before they reach age 65.1 12009 Field Guide, National Underwriter

Long-Term Care Insurance One of the greatest risks faced by America's elderly is the need for long-term care. Long-term care insurance transfers a portion of the risk of long-term care expenses to an insurance company, helping to protect you and your family from potentially devastating expenses.

Education Funding Providing funding for your children's education is one of the greatest gifts you can provide, but coming up with the money in lieu of increasing tuition costs may seem like an impossible dream. With proper planning and by leveraging the available college savings programs, we can help you reach your college funding goals.

Information Request In our experience, we have found that there are several roadblocks — lack of goals, inappropriate investments, and procrastination — that may keep many people from working toward achieving financial success. Your ability to pursue your financial goals may depend on your ability to steer clear of these roadblocks.

In the areas that are a concern, please list your specific interest. For example, if you wanted more information on long-term care, write long-term care in risk management text box. After completing the form, please click on the "Submit" button. Once I receive your information, I will get in touch with you to discuss your specific needs and options. If you have any questions about the form or the requested information, please don't hesitate to call (814) 266-8641 or email me at donald.cowie@equitable.com.

Sincerely,

Donald W. Cowie CPA, MBA
Cowie McGraw Financial Group
Financial Planner
Retirement Planning Specialist