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Insurance

Insurance is essential to any comprehensive financial plan. If tragic events like death or disability strike, insurance can potentially protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to pursue goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help address your financial planning needs. No matter your personal situation—if you’re single or a family; a professional or a seasonal employee; an executive or small business owner—we can work together to design a customized plan.


Life insurance

In the event of death, life insurance offers surviving family members potential 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 almost always 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

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

For more information on Life Insurance or contact us today.


Long-Term Care Insurance

Disability

When you lose the ability to work and earn an income, lost wages could result in the need to utilize investments, savings or retirement assets to fund living expenses. For business owners, the stakes are raised because their presence may be crucial to the company’s ability to operate. Disability insurance protects business and personal assets that you have worked so hard to build cannot be easily erased.

For more information contact us today.


This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs.


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