Services
Services
Disability Income
Perhaps one of the most important insurance programs on the market, disability income protects the income stream that comes from many years of hard work, training, and education. A sudden and unexpected illness or injury could set a working person, family, or small business back indefinitely. A highly specialized and experienced insurance professional is required in order to provide the most up to date programs available. I tailor to individual needs, including workplace benefits coordination.
Long Term Care Insurance
The cousin to disability income, these policies protect the “nest egg”, or wealth, accumulated during the working years. Once savings are put away, it is just as important to have a program to minimize the financial impact of a disabling sickness or injury that could result in confinement in a Nursing Home or Assisted Living Facility, or care needed in the home (Home Health Care). These programs are designed to pay for the very high cost of skilled nursing care when confinement is necessary or when care is provided in a home setting. Informal care (when care is given, and benefits paid to, a family member or friend) is one of the newer features being offered by many Long Term Care insurance companies. An experienced agent can assist in determining which program is best suited for the client’s situation and budget.
Life Insurance Protection
One of the oldest insurance policies, life insurance provides for family needs, business obligations, retirement planning, and for estate planning purposes. The products and services in the life insurance arena have expanded dramatically, and a qualified insurance professional can be extremely helpful in evaluating the various options.
Annuities
This is another insurance product that allows individuals and businesses to put dollars away for the future and also receive special tax treatment on earnings. Similar to life insurance, the annuity landscape has evolved greatly and the types of annuities available today are far more dynamic than in the past. Whether it is saving for retirement, supplementing a child’s education fund, providing an income stream or planning for heirs there are many products to choose from. I sort through the maze of product offerings to find a fit that meets the client’s needs and objectives.
Medicare Programming and Supplemental Insurance
(Medigap Coverage)
As we all move closer and beyond into the golden years, assistance is usually needed to evaluate government benefits and target those areas that fall short due to the rising cost of healthcare. Having someone help in an ever-changing healthcare environment is of primary importance.
Enhanced Services and Teamwork
The financial services industry has taken many turns in recent years, requiring increased collaboration with other professionals, such as accountants and lawyers. We will work with the client’s existing relationships or, if needed, assist in finding those professionals whose expertise may be a necessary component in the planning process.