Life
Insurance, Disability Insurance and Long
Care products are crucial in planning
for your future as well as the future
of your family. These products can fulfill
promises and obligations if you if you
are injured, unable to work or die prematurely.
Life Insurance death benefits are
income-tax free and can be used to cover
funeral expenses, repay debt, provide
education, pay estate taxes or any other
expenses your survivors may incur. Life
insurance may also be used to help ensure
that a family business will pass to your
intended survivor. There are also benefits
to certain types of life insurance plans
during your lifetime.
Disability
benefits insure your most valuable
asset- your ability to earn income. Disability
income protection allows you to insure
your income against the financial impact
of a disabling illness or injury. This
type of insurance can help you prepare
for the unexpected effects of a car accident,
cancer, debilitating arthritis or a stroke.
If structured properly, these benefits
can be received tax-free.
Long
Term Care- Most people first learn
about the need for Long Term Care when
it’s too late. Planning ahead is imperative
because it can help you control your financial
future. In addition, you can maintain
independence, retain your current standard
of living and even receive care in the
comforts of your own home. About 70 percent
of people over age 65 require some services,
and the likelihood of needing care increases
as you age. We can structure a plan that’s
right for you and your family.
Fixed
Annuities- Looking for a sensible
investment vehicle for your hard earned
money? Looking to enjoy a steady flow
of income in your retirement years? Consider
one of our innovative fixed annuity products.
Fixed annuities offer competitive interest
rates along with guarantee of principal.
Tax deferred growth means your money compounds
faster. Plus, naming a beneficiary means
avoidance of any probate. We represent
numerous financially sound carriers offering
short term and long term guarantees for
your money.
