Planning for Life Insurance

Life insurance can play an important role in your overall approach to financial management. After all, 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 pursue your needs. That’s why it makes sense to talk with our experienced planning team today.

We will help you explore the options available from various well-known carriers so you can find an affordable solution that’s right for you.

We will review your existing plan to help you fully understand what it includes and to make sure it provides the appropriate level of coverage.

We look forward to helping you develop a comprehensive strategy. So you can get the financial protection and confidence you need.

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.

People are living longer. Healthcare costs keep rising.

Those are two of the reasons why more and more people are buying long-term care insurance today.

No question about it. Long-term care insurance—which is different from life, disability, and health insurance—has a unique role in planning for the future. After all, it’s specifically designed to help people pay for nursing care and the social and rehabilitative services needed to deal with a chronic illness or injury.

Of course, this kind of assistance can be very expensive. And unfortunately government sponsored plans and standard health insurance plans today do not fully cover the costs.

As a result, people usually have only two options to pay for these essential services: They pay directly out of their own pockets, which is often difficult to manage. Or they rely on private long-term care insurance to provide the financial assistance they need.

ESL Investment Services' approach
 

If you’re considering long-term care insurance, contact us today.

We’ll help you analyze your financial situation and develop a sound strategy to help you pay for long-term care services.

We also will help you explore the coverage options available from a variety of well respected carriers. We can even review any existing coverage that you may have to make sure that your entire plan for long-term care insurance is designed to meet your needs and your budget.

Of course, there are other important issues to consider, too. How do you protect your assets and your income if you need long-term care? And how do you maintain your independence as long as you can?

We will work closely with you to think through all of these issues and find effective ways to help you maintain control of your lifestyle throughout your retirement.

We look forward to helping you find a sensible and affordable strategy. From our perspective, it’s another smart way to think ahead.

Guarantees based on the claims paying ability of the issuer.

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.

That’s why it makes sense to talk with our experienced insurance planning team today.

We can help you analyze your current coverage, your resources, and your potential needs. So you 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.

If you decide you need additional coverage, we can help you explore the options available from several respected carriers. So you can find an affordable solution that meets your needs.

We look forward to helping you protect your income from the potential impact of a disability. It’s one of the many ways we answer to you.

Guarantees are based on the claims paying ability of the issuer.

To learn more about our insurance planning services or to schedule an appointment:

• Call 585.339.4475 or 800.814.5884
• Visit an ESL branch
• Submit an online request