Insurance

Chances are you could live well into your 80s, your 90s and possibly even longer.

When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.

Almost 70% of people turning age 65 will need long-term care at some point in their lives1. Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.

That is why over 10 million Americans have purchased long-term care insurance1. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

^{1Source: Administration on Aging, U.S. Department of Health and Human Services}

Insurance reviews are an opportunity to measure your progress for your future goals. It’s a thorough process which involves a close analysis of personal finances and an assessment of other building blocks. We can help you look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey. Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy. We can help you chart a new course if need be to ensure you meet your personal financial goal.

Annual insurance reviews also provide an excellent chance to examine your short-term and long-term goals. We can work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.

Insurance transfers the financial risk of life’s events to an insurance company. A reliable insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance and life insurance1.

We’re dedicated to serving the life insurance, disability and long-term care needs of our clients. Our goal is to provide you with outstanding personal service and customized solutions.

Whether your need is life insurance for income replacement, retirement supplement or estate planning… disability insurance… or long-term care, we’re ready to find the right solution for you.

^{1Guarantees are backed by the financial strength and claims paying ability of the issuing company.}

A Fixed Index Annuity (FIA) is an insurance contract between you and a life insurance company designed to help you accumulate assets for retirement. They offer low financial risk, conservative returns, and protection for market ups and downs. You pay premium to the insurance agency in return for regular income payments over a period of time, beginning at some point in the future. If you are looking for a retirement strategy that protects your principal, has some good upside potential, and provides a predictable guaranteed lifetime income stream in retirement1, a FIA may be something to consider.

Are you in or near retirement? One of the most common fears for retirees and those planning for retirement is outliving their money. Learn how annuities can help generate a steady stream of income or increase your current savings. They can also help you leave a legacy and provide income for your heirs.

The purchase of an annuity is an important financial decision. Be sure to schedule a full discussion with our company about your retirement needs before making any decisions.

^{1Product and features may differ depending on the state of issuance and may not be available in all states. Guarantees are backed by the financial strength and claims paying ability of the issuing company.}