Life, Disability, and Long-Term Care Products
In recent years, insurance planning has become a very sophisticated field. We offer comprehensive insurance planning services to our clients. Most insurance salespeople lack the background to approach insurance analytically. Indeed, many insurance agents represent only one insurance company's products. We approach insurance as a problem-solving tool and select the appropriate insurance companies and products AFTER we have:
- Calculated your need for life insurance to protect your beneficiaries in the event of your death
- Determined your need for disability income in the event you are sick or hurt and cannot work.
- Determined your needs and resources available to fund possible long-term care costs.
- Evaluated your current coverages' ability to meet your needs (e.g., group life and health offered through your employer and self-purchased insurance).
- Provided fact-supported recommendations to you.
Long-Term Care Insurance products are complex and offer many options to protect assets and sometimes income for the well spouse if you face the prospect of long-term home health care or nursing home costs. We have relationships with several quality carriers and can tailor a product that addresses your unique needs. Taking care of elderly parents is much more challenging today. Children are more geographically dispersed and many times are also raising their own families.
For businesses, we can demonstrate strategies to take money out of your corporation tax free, make insurance premiums tax deductible, and arrange flexible compensation arrangements to reward your loyal employees.