LIFE INSURANCE, DISABILITY AND ANNUITIES
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Life Insurance helps pay for final your expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. It can also cover your children’s education and more.
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What if I can't work? One of the most important coverage after health insurance to ensure your financial protection is Disability Income Insurance. While you are in your working years, your most valuable asset is your ability to earn a living.
However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.
During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Watch Our Video on Disability Insurance
It is often said that "failing to plan is planning to fail." This is especially true when it comes to retirement income.
Annuities are investment contracts that can help you grow your savings and/or retirement portfolio. Annuities most often are used as a strategy to provide you with retirement income that you cannot outlive. Payments may begin immediately or at some future date in exchange for a lump sum payment or a series of payments made prior to onset of the annuity. Annuities may arise as a result of a structured liability settlement as well. Annuities can provide either an immediate income stream or an income stream at retirement (or other future date) that transfers some of the risk of you outliving your money ("lifespan uncertainty") to the insurer. Annuities are offered from carriers with the highest ratings available and designed with high current interest rates and short surrender charges.