Life - Long Term Care - Disability Insurance

  • Life Insurance:  Deciding what type of life insurance to buy can be a big decision.  We offer a variety of insurance products such as whole, term, universal and indexed life to fit your specific needs, and we will guide you in your decision.  We prefer to prepare a needs based assessment to be sure we know the total coverage needed.
  • Long Term Care Insurance:  The right long term care plan will ease the burden on your We offer a variety of insurance products designed to fit your needs.loved ones and protect your savings.  There are many options available in LTC policies, and we have the knowledge to help you find the best one for you.  We will help educate you on all of the options and you will learn about daily benefit amounts, length of coverage, elimination periods, inflation protection and other items before we actually find the best coverage for you.  We will also look to find all discounts that you qualify for.
  • Disability Insurance:  Plan to protect yourself and your family in the event of a lengthy illness or permanent disability.  We will show you these valuable plans which are surprisingly affordable.  Disability coverage should be a key component of your overall protection.

 

Here's an example of what we can do for you:

Joe has a whole life insurance policy with a death benefit of $80,000 and cash value of $25,000.  He would like a policy with a larger death benefit and the option to borrow money from the policy for his daughter's college tuition.

     The Solution:

We were able to roll the cash value of the existing policy into a new whole life policy.  By utilizing the cash value of the old policy, Joe will have a new policy with a $160,000 death benefit plus cash value.  An additional benefit is that Joe will be able to borrow against the policy if needed.

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Check the background of this financial professional on FINRA's BrokerCheck