Life, disability, and long-term care insurance products are critical to your financial security.
We are all aware of what an untimely death could mean for the financial security of our dependents. Term life insurance provides guaranteed coverage ranging from 10 to 30 years at affordable premiums for people of average to excellent health.
We can access term life insurance products from the most competitive carriers in the industry. We shop for the best policies and rates for our clients and usher their applications through the underwriting process. We also have access to substandard carriers in the event of an existing health issue.
Some client situations call for permanent life insurance to fund estate tax liabilities, business buyouts, or the needs of handicapped children. We work closely with our clients' attorneys, accountants, and other advisors in developing insurance solutions consistent with their estate and business plans.
Adequate protection in the event of a disabling illness or injury is the most overlooked coverage. Most people have some level of long-term disability coverage through their employer. Often, however, due to benefit limitations or policy provisions, the coverage is insufficient to meet their monthly financial obligations. We review these policies, help our clients understand what their policies provide, and offer supplemental coverage if needed.
Many business owners or self-employed individuals have no existing coverage. Like our work in life insurance, we have access to the major carriers in the disability marketplace and shop for the most competitive policies on behalf of our clients.
Long-Term Care Insurance
Long-term care insurance is one of the fastest growing segments of the insurance industry. More people are becoming aware of both the costs of nursing home and home health care services, and the increased likelihood of these expenses that comes with longer life expectancies. With the myriad of policy options available, we can help evaluate and place the best coverage for you.