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Insurance Planning

<strong>Protect What Matters Most</strong>

Protect What Matters Most

Security for your family should something happen to you

Everyone deserves a secure financial future—and that's why life insurance is so important. One of the greatest gifts you can give your loved ones is to remove some of their financial worries.

Insurance is asset which isn't reviewed often. For those who already have life insurance, DI insurance, and LTC insurance, we will analyze the coverage you have to ensure you are properly covered. Some life insurance policies can be improved upon once a thorough, detailed, and unbiased analysis has taken place.

The right life insurance policy means that even after you’re gone, you’ll still be there for them. Life insurance can help:

  • Pay debts and taxes after your death
  • Allow your family to maintain its standard of living
  • Support your dependents’ goals and dreams
  • Provide immediate access to cash

Some powerful ways life insurance can help you:

  1. Leave a legacy: When considering settling your estate the death benefit from a life insurance policy can be used to pay any taxes that may be due on your estate. Typically, your beneficiaries won’t have to pay any taxes on the money they receive from your life insurance policy.
  2. Create another source of income: Over time, many permanent life insurance policies offer you the potential to accumulate cash value. It can be used any way you wish, including as extra retirement income, through tax-advantaged loans from your policy’s cash value.
  3. Have access to money in case you get sick: An accelerated death benefit is a rider that can be attached to a life insurance policy that enables the policyholder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness.

Long-term care encompasses more than nursing home care. It can also involve care provided at home, in assisted living facilities or adult day care centers for everyday activities like dressing, bathing or feeding or to assist those who have severe cognitive impairment as a result of Alzheimer’s disease or other conditions. Contrary to common belief, health plans such as Medicare and Medicaid don’t cover all long-term care expenses. And Social Security or savings may not provide enough to cover unexpected long-term costs.
Retirees today are living longer than ever before. One in every two individuals turning age 65 today will need the coverage of a long-term care solution during their lifetime.* Today, a healthy lifestyle and a healthy net worth both may make you more likely to live a long life. The longer you live, the better chance you have of reaching the point when you will need long-term care.

From mortgage payments to car payments to groceries and beyond, your income pays for the necessities (and splurges!) of the life you’ve built. That’s why protecting it is so important.
Individual Disability Income (DI) insurance helps cover you when the unexpected happens. It helps ensure you have the money you need—and are better able to continue living the lifestyle you’ve worked for—if you become too sick or hurt to work. DI insurance provides you monthly payments when you can’t work due to a disabling illness or injury. It’s insurance for your income.