If you are employed by an Educational Institution just choose your State to view, get moreinformation on your custom, comprehensive benefits. Your benefits can include a GAP Plan that could pay most of your deductible, co-insurance and co-pays of your Health Plan. Also you can also purchase life insurance – Term, Universal Life and Whole Life – Simplified Issue – no medical, no needles

Everything from Guarantee Issue Limited Medical, Accident, Disability and Dental to Pet insurance and everything in between including Automobile, Homeowners and Renters Insurance.

We also have Vacationwiser! Pick your vacation (or design your own) one month and leave the next month and have a whole year to pay for it – with ZERO interest. Call a Doctor, Luther Sales and custom designed retirement and insurance plans all for you. Just select your State and choose your benefits.