This article has been published with the permission of the author Allan Corby.  
Allan Corby is a financial advisor and insurance broker at Higger & Associates, LLC
serving the GLBT community in NY, NJ, CT, PA. 
Allan Corby , Higger & Associates, LLC can be found online at
 http://gayfinancialadvisors.com/NewYork.htm

Allan Corby has offered insurance and financial services for the past 25 years. Services include partners counseling for Long Term Care asset protection, retirement and estate planning, guaranteed lifetime of income, life insurance, life settlements, viatical settlements, annuities, tax-deferred investing, disability income plans. Allan is Director of Life Services at Higger & Associates, LLC which offers homeowners, auto, Umbrella, liability and commercial business insurance with a multi-state clientele of Over 5000 satisfied customers.

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