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Insurance Planning

You can’t predict the future. But you can strive to protect your finances and your family from the impact of an unexpected illness, a sudden injury, the need for costly long-term care, or a premature death. That’s why it makes sense to talk with our experienced team today. We can help you develop a plan to seek the financial security you need for today and tomorrow.

Life Insurance

Life insurance can play an important role in your overall approach to financial management. It's another way to protect your family and prepare for the future. But it takes careful planning and analysis to make sure you have the appropriate strategy to help you pursue your needs.

Our experienced team can help you:

  • Develop a comprehensive strategy and work toward the financial protection and confidence you need.
  • Review your existing plan to help you fully understand what it includes and to make sure it provides the appropriate level of coverage.
  • Explore the options available from various well-known carriers so you can find an affordable solution that’s right for you.

Long-Term Care Insurance

People are living longer and healthcare costs keep rising. The nursing care, and the social and rehabilitative services needed to deal with a chronic illness or injury, can be very expensive. Unfortunately, government sponsored plans and standard health insurance plans today do not fully cover the costs.

You usually have only three options to pay for these essential services:

  • You pay directly out of your own pocket, which is often difficult to manage.
  • Government funded programs exist for those unable to afford these expenses.
  • Or you rely on private long-term care insurance to provide the financial assistance you need.

Our wealth management team can help you:

  • Consider how to protect your assets and your income if you need long-term care and maintain your independence as long as you can.
  • Analyze your financial situation and develop a sound strategy to help you pay for long-term care services.
  • Explore the coverage options available from a variety of well-known carriers. We can even review any existing coverage that you may have to make sure that your entire plan for long-term care is designed to meet your needs and your budget.

Disability Income Insurance

It’s something no one wants to think about. But an unexpected disability that forces you to stop working can have a major impact on your family’s income and your ability to maintain your lifestyle.

That’s where disability insurance comes in. It helps protect your income during the time that you are disabled. Of course, your employer may already provide some form of disability coverage. But it may not deliver the financial support you and your family really need if you are out of work for an extended amount of time.

Our wealth management team can help you:

  • Analyze your current coverage, your resources, and your potential needs. Together, we can determine if you have enough disability insurance to support you and your family if you are unable to work because of a prolonged illness or injury.
  • Explore the options available from several carriers if you decide you need additional coverage, so you can find an affordable solution that meets your needs.

We look forward to helping you preserve your hard earned savings, and helping you maintain control of your lifestyle.

Guarantees based on the claims paying ability of the issuer.

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.

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