Term Life Insurance
Term Life Insurance
As your business or family grows, this is a great option for you to begin your planning. This temporary option provides a fixed death benefit with a fixed time frame. With 10, 20, and 30 year options available, this will cover your business or family needs.
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Permanent Life Insurance
Permanent Life Insurance
Permanent life insurance refers to coverage that never expires, unlike term life insurance, and combines death benefit with a savings component. The two primary types of permanent insurance are whole life and universal life. Permanent life insurance policies enjoy favorable tax treatment as cash builds.
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Hybrid Life Insurance w/ Long Term Care
Hybrid Life Insurance w/ Long Term Care
Hybrid life insurance is life insurance plus long term care coverage. It helps you pay for your own long term care needs, and anything remaining will pass to your beneficiaries through the life insurance policy.
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Long Term Care
Long Term Care
Advances in medicine and our aging population has made this one of the most important steps in building a strong financial plan. A long term care event is one of the quickest things that can derail a retirement strategy. In- home care, assisted living, or nursing home stay can be covered by a long term care policy. Whether you use a stand alone policy or the hybrid policy mentioned above, this is an important tool in planning. Medicare does not cover long term care claims.
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Disability
Disability
Disability insurance is a type of insurance that provides income in the event a worker is unable to perform their work and earn money due to a disability. Short term or long term coverage is available.
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