• I want to be certain that my children won’t have to pay for my care when I’m old.
  • I want to know that my family will be taken care of if something happens to me.
  • I want a steady and dependable income that will not run out during my retirement years.

If any of these describes you, Melo can provide peace of mind through a vast array of insurance offerings.

Term Life

 Insurance provides the maximum benefit for the least cost. Melo can offer terms anywhere from 5 to 30 years and will search out the best value for your specific need.

Permanent Life

 Insurance (or whole life) combines insurance with an investment tool that builds value over time.


 are contracts that provide a stipulated sum payable at certain regular intervals during your lifetime. If structured correctly, an annuity will insure that you do not outlive your retirement.

Long Term Care

 insurance provides a benefit to pay for the cost of a broad range of medical and personal services for individuals who need assistance with daily activities for an extended period of time.