Insurance

Life Insurance, Long Term Care Insurance and Disability Insurance may be employed to reduce or eliminate some financial risks.

These insurance needs are identified as part of the development of a financial plan:

• We provide a complete analysis of your insurance needs
• We design a comprehensive insurance protection program for you.
• We select the company or companies best suited for your situation
• We present a competitively priced proposal
• We periodically review the adequacy of your insurance program
• We always look for ways to save you money.

Life Insurance:

This can be an excellent planning tool and is not only useful for dealing with premature death of the bread winner but it is also especially useful to equalize estates, legacies or cover and deal with estate tax issues. Life insurance is also a great tool for solving business succession and many other business problems.

Long Term Care:

Statistics show that at sometime in your life the chances are that you will need Long Term Care. The younger you are when you purchase Long Term Care Insurance the cheaper it is and we highly recommend that you purchase this risk management tool as early as you can to provide needed care for yourself in the future. Long Term Care insurance premiums are usually deductible as an itemized medical expense for income taxes.

Disability Insurance:

This insurance can cover the risk of the bread winner being disabled prior to retirement. A premature disability can derail the best laid plan and take the entire family down. Disability insurance is relatively cheap.