Insurance Planning

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include long term care insurance, life insurance, and disability insurance.

Caring for loved ones during periods of illness and disability can cause immense financial and emotional stress. Long Term Care Insurance was implemented to give its insureds the best opportunity to prepare for major health concerns.

Long term care is a unique insurance that allows you to tailor your coverage to your needs. Through different benefits that include: Home Health Care, Adult Day Services, Assisted Living Facilities, and Nursing Facilities, you can prepare both you and your loves ones for long term care.

Life Insurance is an insurance contract under which an insurance company promises, in exchange for premiums, to pay a set benefit when the policyholder dies. Several factors will affect the cost and availability of life insurance, including age, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications.

You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

What is the most important aspect of your financial life? Your Income! Disability income insurance helps to replace a percentage of your income following an injury or illness.

We can help design a policy that helps protect a portion of your income should a disability make it impossible for you to work.