Insurance/Risk Management
Insurance/Risk Management
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Adequate planning now can help prevent a lifetime of assets from falling short when you need them most.
Life
Life insurance products offer a spectrum of death benefit protection, spousal coverage and cash-value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure that your beneficiaries and heirs aren’t saddled with an undue estate tax burden. After a careful analysis of your situation and objectives, we can help you obtain the coverage that addresses your needs, choosing among insurance programs from a wide variety of providers.
Disability
Most likely, the ability to work and generate income is one of your most valuable assets, and protecting it is paramount to pursuing both short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It can also help prevent the depletion of savings, or being forced to sell investments at an inopportune time to raise cash for living expenses. We work with a wide variety of insurance providers to tailor income-replacement coverage to your specific needs, adding the features that are most important to you and your family.
Long-term care
Long-term care insurance can help manage costs of palliative care and reduce the impact of inflation, while ensuring that your needs, and those of your loved ones, are covered well into the future.
Long-term care insurance can help:
- Pay for the care you need when you can no longer care for yourself
- Preserve your independence and dignity
- Allow you to remain in your home while receiving the quality and level of care you require
- Protect your family’s financial future and your legacy
When planning for long-term care needs, it’s important to keep in mind that:
*This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.
