INSURANCE NEEDS

Insurance can be an essential part of your financial plan and asset protection. Consider life insurance as an example. Life insurance is primarily intended to cushion the financial effects of the insured's death. Benefits can be used to fund a college education, provide retirement income for your spouse or help eliminate debts, like a mortgage.

With careful consideration of your personal objectives, we can help you determine how insurance can be part of the solution to your most important financial concerns, and then help you work with your current insurance agent or help you find an agent that can get you the right types and amounts of insurance. .

Solutions to Consider

Long Term Care Insurance: A long-term care plan will cover nursing home and medical care expenses in case of an extended illness. This is a very important part of financial planning in a many cases.

We can help you find the right professional who is an expert in long term health care planning so you can protect your family assets.

Other Important Insurances:

* Survivorship: This is a life insurance policy that covers the lives of two people, usually a husband and wife.

* Term Life Insurance: Term insurance is a life insurance policy that pays death benefits if the policyholder dies during a set period of time.

* Universal Life Insurance: Universal life is a cash value life insurance policy that combines some of the features of traditional whole life features.

* Variable Life Insurance: Variable life offers the opportunity for cash accumulation by allowing part of your premium to build account value.

* Whole Life Insurance: Whole life insurance offers death protection with cash values, fixed premiums and death benefits.

* Single Premium: This is a policy with a lump sum payment required to cover the entire cost of a life insurance contract.

NEEDS ANALYSIS

* Health
* Property and Casualty
* Personal and Professional Liability
* Business Liability
* Auto

It is important you are working with professionals who specialize in these specific areas. Sometimes you should be working with more than one insurance professional, each being an expert in different types of insurance. We can help you determine how to pick the right insurance professional, and how to work with your current insurance agent or agents more effectively.