The most precious thing we can give our family is our time. We can help you also give them peace of mind.
Just as people are so diverse, there are many different reasons for life insurance and not one product fits every need. We can safeguard against the unexpected with Term Life, Universal Life or Whole Life insurance. By getting to know you, we put together a plan that fits both your personal and business needs.
Your family or your business will have peace of mind in knowing that future day-to-day expenses or business succession plans are taken care of so you can live your life.
Combo or Hybrid Insurance
The need for insurance is as diverse as our clients. Many people want options when they think about their advanced care planning. They want the ability to leave a legacy while also having monies to pay for their own long term care needs. In order to consider these options, questions must be asked.
What happens if you don't need long term care? What happens if you do? Who do you want to give you care; either for a temporary situation or a long term purpose? You may want only a family member or a friend while others would prefer to have an outside agency handle their day-to-day care so they can enjoy their family time. There is also the bookkeeping side of long term care expenses to consider. Who is going to handle them?
A combo or hybrid life and long term care insurance policy is flexible enough to fit many needs. If you are the client who does not incur long term care expenses then you will have the life insurance legacy to leave to your family or charity. On the other hand, if the expenses arise, a cash benefit can pay for long term care expenses provided by the person of your choice as well as using the money for home modification or other necessary expenses.
There may be the opportunity in the form of certain investments to provide coverage through lump sum premium policies, 5 year premium policies or 10 year premium policies.
We can help you customize a plan that will protect your income and assets for you, your spouse, your charity and your next generation.
Death is a part of the cycle of life. When we are gone, our loved ones are left behind to handle our affairs. Final expense policies are used to cover burial expenses, outstanding debts as well as monies that allow our loved ones to have a celebration of our lives.
Learn More About Our Other Insurance Services!
- Medical & Dental
- Vision Insurance
- Presciption Savings Program
- Health Savings Account
- Medicare Related Products
- Disability Insurance
- Long Term Care Insurance
- Personal Trips
- Business Travel
- Hired Car Property Damage
- Homeowners, Umbrella, Valuable Items
- Errors & Omissions, Professional Liability
- Specialized Business Coverages
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services that we can offer, please Contact Us!
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