INSURANCE: Life, Long Term Care, Disability Income. ANNUITIES: Fixed Indexed and Fixed


Welcome to the TIMOTHY N. PAYNE, CHFC web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and research reports.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your BUSINESS and PERSONAL risk-management situation. We created this web site to help you gain a better understanding of the financial concepts behind insurance, retirement, estate planning, business-succession planning, and wealth preservation.

We’re here to help educate you about the basic concepts of risk management; to help you learn more about who we are; and to give you fast, easy access to insurance and risk-management terms and concepts.  Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information so please visit us often because we update our information frequently.