Insurance can play a role in a comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.
We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation - if you are 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 usually non-taxable for named beneficiaries
- Avoid probate costs if you name a beneficiary other than your estate
- Potentially offer your loved ones creditor protection through some life insurance plans
- Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans
We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.
Help protect one of your most valuable assets – your income – from unexpected events through long-term care insurance, disability insurance, or critical illness insurance.
Understanding the options associated with the purchase of long-term care insurance can be overwhelming. Evaluating the pros and cons of this insurance tool is but one part of the retirement planning process. There is no easy answers to the question “do I need long-term care insurance?”. Long-term care insurance decisions are often incorporated in the evaluation of Continuing Care Retirement Community (CCRC) decisions as well.
We can help you choose the long-term care and disability insurance options available.