Insurance
Whether it is to ensure that your family is taken care of, a business is better protected, or long-term care costs are covered, establishing proper insurance coverage is critical for creating a sound financial strategy. Loss of future cash flow from death, disability, lawsuit, are hazards that cannot be overlooked. A strong comprehensive protection program is critical to help ensure your financial plans are not sidetracked if the unexpected happen.
Life Insurance
With life insurance, not only can someone protect loved ones, but there are also tax benefits with certain policies. With access to a number of different life insurance options - including term, whole life, universal life, and variable universal life insurance - we strive to find the most up-to-date, efficient, and cost effective programs for you based on your unique needs.
Long-Term Care Insurance
Typically not covered by health insurance, long-term care is costly and can significantly deplete assets. Long-term care insurance can help pay for a care plan. We can help you determine opportunities for protecting your assets and retirement income.
Disability Insurance
Whether you are a business owner or an employee, how would you supplement lost income if you were unexpectedly injured or disabled? Unfortunately for many, it could mean dipping into your savings or future retirement income. Disability insurance can serve as the cornerstone of individual and business income and expense protection. We can structure coverage to help protect personal and business income against catastrophic loss due to an injury or long-term illness.
Key Man Insurance
It is important for business owners to protect their business. Key man insurance is life insurance on a key employee or partner, with the business serving as the beneficiary. With this insurance, you may be able to offset a risk by reimbursing your business for economic losses that occur when a key executive of the company dies. We can help you determine your business’ key personnel and evaluate options for this liability.
Annuities
Today, people are living longer than ever before. Annuities can provide protection against outliving your income. We can help you determine whether annuities may be appropriate for your situation, and evaluate your annuity options.