INSURANCE SERVICES: Life, Long-Term Care and Disability

FF-CIRCLE-Arrow-RGB-WEBSITE-3

Assessment of needs
Explain products and design strategies that make sense to you
Provide independent Life, Long-Term Care, and Disability insurance strategies and products
Confidential advance underwriting to assess level of insurability
Lifetime service of policies

 1 in 5 Americans will have a disability related to an accident or sickness – U.S. Census Bureau
An estimated 70% of people turning 65 will require long-term care in their lifetime, and they will receive care for an average of 3 years. – www.phca.org

Planning for the best is what we strive for; however, we also want to make sure that you prepare for the worst. It is awful to see the financial and emotional devastation that takes place when an insurance need is neglected and a catastrophe happens. We go deeper and make sure our clients have a plan in place.

We provide you with assistance in getting quotes and explaining policy features, whether it be simple term life insurance, or explaining some options available with newer hybrid products that combine life insurance with long-term care.

You have heard the commercials on the radio—if you are a man or woman age 50, you can get term insurance for x-dollars a month! Well…we all know that not everything is what is appears to be; therefore, we educate you on all of your options in the marketplace.

We provide you with assistance in getting quotes and explaining policy features, whether it be simple term life insurance, or explaining some options available with newer hybrid products that combine life insurance with long-term care.