It seems that no one really wants to think about life insurance, and we understand that; no one likes thinking about death. However, life insurance is an important and frankly unavoidable topic, especially if someone depends on you financially. We have been advising our clients about all types of insurance strategies to help meet their needs for over 27 years. We stress that getting life insurance doesn’t have to be difficult, and we will be with you every step of the process.
No one can truly predict the future, but having life insurance means you and your loved ones can prepare for any eventuality. Even with a small policy, you may find yourself sleeping a little easier at night knowing that your family has protection in place should something happen to you.
Here are some types of insurance to consider:
Life Insurance: There is a wide variety of life insurance available, the most basic of which are term and permanent. But the list is longer than this, and it really depends on your situation and goals as to what product we recommend.
Long-Term Care Insurance: There’s about a 70% chance* (https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html) you’ll need some type of long-term care after age 65, and the cost can quickly deplete your life’s savings. We review your financial plan and can advise you how much and what kind of a LTC policy is best for you. Today’s policies are more flexible and comprehensive than past policies.
Disability Insurance: Think of this type of insurance as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work. How much you will need, and what kind of policy, can also be determined by close review of your financial goals.
In a constantly changing world where your needs are also evolving, it is important to review your insurance needs on a regular basis. We offer life insurance audits on your current policies at no cost, and we specialize in finding the right policy that can meet your needs, getting you the best prices on these products, and keeping you updated on new products as they become available.