Insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship.
I have access to a variety of insurance products that can help address your financial planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.
In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.
The advantages of life insurance include:
- An instant estate for your loved ones at a time when funds are most needed
- Death benefits that are almost always non-taxable for named beneficiaries
- Avoid probate costs if you name a beneficiary other than your estate
I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial plan.
Life insurance can play a vital role in your financial plan - contact us today to find out how.
Help protect one of your most valuable assets – your income – from unexpected events through long-term care insurance
Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.
Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.
I can help you choose the long-term care and disability insurance products that provide advantages like:
- Helping maintain your financial independence, lifestyle and long-term financial plan in the event your income is impacted by disability
- Assist with paying fixed expenses for your business if you become disabled
- Support the buy-out of a disabled partner’s share of a business
Guaranteed interest rates are basin on the claims-paying ability of the underlying insurance company. Surrender penalties may apply. Additional benefits and riders may increase the cost of the premium or reduce the interest rate eared. Applicants are subject to underwriting, which may include medical history and current health.
I can help you tailor your financial plan so it helps protect your income through long-term care insurance. Contact us today to find out how.
*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. Guarantees are based on the claims paying ability of the issuing company.