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Insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.
We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or a family; a professional or a seasonal employee; an executive or small business owner—we can work together to design a customized plan.
In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents for daily care and future college expenses.
The advantages of life insurance include:
Life insurance can play a vital role in your financial security plan. We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan - contact us today to find out how.
Regardless of your stage in life, an unexpected illness or injury can be financial devastating without the proper protection in place. We can work with you to develop a complete risk management plan to protect your income and your assets in the event of a disability, a critical illness, or the need for long-term care.
Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.
Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.
Suffering a critical illness can be distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, critical illness insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.
The advantages of critical illness insurance can include:
The need for long-term care is usually triggered when a person is unable to perform one or more of the activities of daily living, such as getting out of bed, walking, dressing, bathing, or eating. When assisted care is required, and a spouse or personal caregiver is unable or unavailable to provide it, the only option may be to hire the services of a caregiver, home health care nurse, or seek admission to a nursing home.
Long-term care insurance is designed to cover the costs of nursing home care (some policies or riders can be purchased to cover the cost of home care as well). The benefits are typically payable for a certain period of time and the premium cost is based on the benefit amount, your age, certain health factors, and the length of the waiting period before benefits are payable.
We can work with you to design a long-term care insurance plan to provide the most economical protection for your specific needs.
In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families.
For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as premiums that are deductible as a business expense in some cases.
Flexible plans offer employers and employees cost-effective, customized ways to address their needs. Choose from an array of benefits like:
*All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company. Not all people may qualify for long-term care, critical illness and/or disability insurance due to underwriting concerns and qualification for these types of insurance policies. Insurability is decided by the issuing insurance company.
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