individual life, disability & long term care
Life Insurance is critical in protecting your family from financial difficulties. No one wants to leave their family's future up to chance but unfortunately serious accidents and injuries occur to people of any age. Whether you are the main income provider or not, each person brings financial benefits to the family. There are many different types of life insurance plans and determining the best program can be confusing.
Our role is to help you assess which life insurance program provides you the best value for your needs. Life insurance is a lot less expensive than you think. Let us walk you through the process so you can see for yourself - there is never an obligation to purchase coverage. We will provide you with the information you need to make a decision. We have access to all the big life insurance companies so we can provide you with a great product at the best available price.
Individual Disability Insurance is an area that many people overlook. While you may have income protection for on-the-job injuries through your employer's workers' compensation coverage you are still vulnerable to lost income due to other injuries or illnesses. We have a number of disability polices tailored to fit your needs and that are affordable. Let us discuss this important coverage and show you how it can help provide you financial security should an accident or illness occur.
Individual Long Term Care Insurance is another product that many people only recognize as importance after a loved one is in need of this critical and very expensive care. Long term care is an insurance policy that pays part or all of the cost of an extended stay in a skilled nursing facility or in some cases at home with extensive in home care. This type of long term care is not covered by your standard health or Medicare coverage. The coverage can be affordable if purchased early before the need is at hand or potentially serious medical conditions have already manifested themselves. Please ask about this coverage and we would be happy to provide more details about its costs and benefits.