Insurance

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 pursue goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help meet your financial 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 policy.  Areas that we are licensed and can assist you are:

Health Insurance

Healthcare costs are a major factor in your long term financial success and can greatly affect your retirement plan as well as the financial security of your family. Our team has over 20 years in the health insurance industry. We'll conduct a comprehensive review of your current health insurance with your current and long-term needs.

Turning 65 is the beginning of Medicare eligibility for most and Medicare enrollment. Medicare itself can be confusing and trying to decide which route to go can be a daunting challenge. You deserve professional advice about your Medicare options.

If you have any questions, or would like a free consultation please call or request a quote and of our team members will assist you in finding a suitable option for your needs.

Life Insurance

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.

The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance policies
  • Build tax-advantaged capital for retirement purposes or provide flexible savings through some permanent life insurance policies

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.

Regardless of your stage in life, an unexpected illness or injury can be financially devastating without suitable 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 or the need for long-term care.

Charges vary based on the circumstances of the insured life. Surrender charges vary by issue age, risk class, and gender. Withdrawals and loans from a life insurance policy reduce the death benefit and cash value, may increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. Life insurance should be purchased by individuals that have a need to provide a death benefit to protect others with insurable interests in their lives against financial loss. Life insurance is not a retirement plan, investment, or savings account.

Disability Insurance

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.

Disability insurance products help protect your ability to earn an income, which can be affected if you become disabled for a period of time.

We can help you choose the disability insurance products that provide advantages like:

  • Helping maintain your financial confidence, lifestyle and long-term financial plan in the event your income is impacted by disability
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner's share of a business

Working together, we can help you tailor your financial plan so it protects your income with disability insurance.

Long-Term Care Protection

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 protection 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 explore your options and design an overall financial plan that aims to provide economical protection for your specific needs.