Protection Planning

Considering one’s own mortality is hardly a light topic and difficult for many to discuss, but do you know how your family would carry on financially if you were to pass away? If the unthinkable happens, you’ll want your family to be protected once you’re gone. Term or Permanent, we can offer professional advice on the life insurance plan designed to meet your family needs, budget, and goals.

Most people understand the need for health insurance, life insurance, homeowners insurance and car insurance. But what if the unexpected happened and you suddenly weren’t able to earn a living because of illness or injury? A sudden interruption of income—due to an extended period of sickness or injury—can have serious financial consequences for many of today’s employees. An individual disability income insurance policy can help supplement your group long term disability benefits and work toward protecting a larger portion of your income. This, in turn, can provide a fundamental layer of security for your financial future.

Long-term care insurance (not to be confused with long-term disability insurance) is intended to cover services that Medicare doesn’t. For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. Americans are living longer than ever before, and with that extended life expectancy comes an increased need for long-term care. We can help evaluate your situation and determine if purchasing a long-term care insurance policy may be the right move to help you feel confident in your financial future.