First step will be to introduce myself and to better understand your needs and objectives. Then, we can discuss what products will provide the best solutions given for your situation.
Life Insurance
Life insurance is understood best by dividing all types of life insurance into three categories: term life insurance, whole life insurance, and universal life insurance.
Term life insurance requires fixed payments on a fixed schedule and provides coverage for a fixed duration (e.g. 10 years). The policy only pays a death benefit if the insured individual dies before the policy expires.
Whole life insurance requires fixed payments on a fixed schedule. These policies guarantee coverage up to a certain age (usually 100 years of age). These policies accumulate an accessible cash value, which means that they can be liquidated and create a cash stream for retirement needs while maintaining a corridor tax free settlement to your beneficiaries.
Index Universal Life allows growth with increases in the stock market. Protects against down turns in the stock market. Can be used to create tax free retirement income. These policies accumulate an accessible cash value, which means that they can be liquidated and create a cash stream for retirement needs while maintaining a corridor tax free settlement to your beneficiaries.
Disability Insurance
Important considerations…..to be discussed at are meeting
Disability insurance provides you income if you are no longer able to work due to accident or illness. It allows you to continue paying your bills, even if you are not able to work. Disability income insurance is one of the most important ways to protect your family and assets.
Annuities
Important considerations…..to be discussed at are meeting
What are annuities? Annuities are financial products that create a pension for your retirement. You make one or more payments now, and in return, you get an income stream in the future. The standard annuity pays a lifetime pension.
Life insurance companies sell annuities; however, the reason to buy an annuity is quite the opposite of the reason for life insurance: whereas life insurance protects your finances in case of dying too soon, annuities protect your finances in case of living too long. Annuities are used to turn present income into future income, a popular means of providing for retirement.
Long Term Care
Important considerations…..to be discussed at are meeting
Long term care includes the care and services provided to a person who requires supportive help or supervision for a period expected to last 90 days or more. It includes the assistance needed with the Activities of Daily Living such as eating, bathing, dressing or moving from a bed to a chair, when faced with a chronic disease, disability or sudden illness. It also refers to the supervision that may be needed with a severe cognitive impairment, such as Alzheimer’s disease or other mental illness or brain disorders that can limit a person’s ability to think or reason.
Health Insurance
Group Plan from 5 to 250 Employees
“Reducing Stress and Increasing Peace of Mind”
We welcome you to explore our services to assist your family reach its goals.