Who will take care of your family and obligations when you die? Where will your funeral expense money come from? Who will make up for your contributions to a church or charity when they stop due to your death? How will your key employee be able to buy your business from your family without financial hardship?
Life insurance is the answer to these and many other financial issues. It is still one of the best bargains in insurance. We have a wide variety of companies to choose from. If you have had health problems that may cause your qualification for insurance to be more difficult, we have the markets and experience to get you the best offer. Don't believe that answering a questionnaire on the Internet will yield the lowest rate. The fact is, there is still no substitute for discussion by an experienced agent with you and the insurance company underwriter. We can help you decide on the right type of life insurance policy and make important financial plans for your situation.
If you owned the goose that laid the golden egg, would you insure the goose or the eggs? YOU are that goose bringing home that paycheck. You insure your home, auto, collectibles, boat, but not your paycheck. Where will your money come from if you can't work due to an illness or accident?
Disability income is one of the most important coverages for you and your family. We will give you the money to keep the house going, pay the bills, put food on the table, and allow you the time to get well without the burden of going back to work too soon. Statistics show that people with disability income insurance recover from illness and accident faster, because we give them the time that they need.
Long Term Care Insurance
You already protect yourself from the risk of an auto accident or damage to your home. And you may even protect your family from the risk that you die prematurely or suffer a disability. But do you have a plan in place to protect you and your family from the most likely occurrence of all: the risk of needing long-term care?
Maybe you’ve had a personal experience with caring for a loved one. Or perhaps a financial advisor has recommended at one point or another that you look into protection for long-term care. Long-term care insurance helps pay for the cost of home care, assisted living, or even a nursing home if necessary. It can lift the burden from your family, as well as protect your retirement portfolio.
The cost of long-term care is considered to be one of the most crucial financial issues facing Americans today. A long-term care plan is a powerful alternative to paying for the high cost of care from your savings, and can also help you remain in your home with dignity and independence.
We can help you evaluate if this important coverage is right for you.