Insurance Planning

Life Insurance

Proper insurance planning for individuals and estates is the glue that holds together many financial plans. Thorough life insurance planning entails a full and frank discussion with clients and a projection and analysis of survivor income needs in the event of the death of any of the family’s wage earners. Adequate life insurance coverage guarantees the creation of family wealth at the most important time in their lives.

Disability and Health Insurance

Planners must project and analyze what family income needs would be on a protracted basis, should disability arise from illness or accident. Studies show that individuals are nine times more likely to become disabled than die on the job and due to these realities, it is necessary to address this important issue that protects your income. When available, we can also help you analyze and decide on health insurance choices as well.

Long Term Care Insurance

Many people over age 50 are candidates for protection against the loss of assets due to a protracted stay in a nursing home, assisted living facility or even for care at home. Long Term Care insurance helps you select an excellent way to insure against this potential financial devastation. This is part of an overall plan to cover these expenses while protecting your assets. Long Term Care Insurance is both a dignity and asset protector and should be considered.

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