insurance

Risk management for security and peace of mind

insurance

Risk management for security and peace of mind

Insurance can be an important component in your financial security—helping fill in the gaps to protect yourself, your loved ones, your home, or your business against unforeseen circumstances. We’ll help you identify potential risks and make sure you’re covered without being “over-insured.”

life insurance

As we work to help you build wealth, a sensible life insurance policy can serve as a safety net to protect you and your loved ones in the event of death. The proceeds can be used to pay off debt, replace lost income, pay for future educational expenses, and help avoid a drastic change in lifestyle for those you love. We’ll help you determine the best type of policy for your circumstances, your age, and your financial situation. And we’ll periodically review your coverage to make sure it makes sense in your total financial plan.

disability insurance

You can protect yourself against a significant loss of income due to injury or illness that makes it impossible for you to work. Disability insurance can provide a safety net by providing a portion of your lost income. Benefits are paid monthly to help with your mortgage, car payments or living expenses—or to keep your business running in your absence.

long-term care insurance

The costs of long-term health care are rising, but you can help manage those costs—and reduce the impact of inflation—through long-term care insurance. Being proactive now can ensure that your healthcare needs and those of your loved ones are covered in the future.

Long-term care insurance is particularly important when you consider that:

• Medicare is not nursing home insurance
• Medicare does not cover long-term care
• Private medical insurance or Medicare supplement plans do not cover maintenance care

The sooner you incorporate long-term care insurance into your financial plan, the sooner you can enjoy peace of mind—and likely save money on premiums in the process. And most importantly, planning now can help prevent a lifetime of assets from falling short when you need them most.