Insurance to Protect Those You Love
It’s a subject no one likes to think about. And yet, it’s worse to think that you’ve left your family unprotected in the event of your death.
We’ve seen it too many times. A young wife and mother loses her husband unexpectedly and he never got the life insurance he thought he had all the time in the world to get. Now, while she’s grieving, she’s also scrambling to pay for his funeral costs, associated medical or other bills. Before the fog lifts, she’ll also be expected to create a budget that doesn’t include his income. Weighing on her mind is how to pay all the household expenses while taking care of her grieving kids. How will she be able to afford their education, braces and even the family vacation they had planned?
It’s devastating in so many ways to so many people.
Life insurance guarantees at least some financial relief for those left behind. It is an important piece of the financial puzzle. The right policy will not only cover immediate expenses, but will also ensure long-term benefits that provide for your family long after you’re gone.
We’ll discuss the options with you, including the varying types of policies like term life, return of premium, whole life and universal life. We’ll answer your questions about any tax ramifications, qualifying parameters, child policies, policy conversions and 1035 exchanges.
There’s a lot to it, but it doesn’t have to confusing or costly. And when all is said and done, you’ll know you’ll still be taking care of your loved ones.
Another piece of the financial protection puzzle is disability insurance. Disability insurance protects you and your family by providing replacement income to help pay the bills while you’re unable to work due to sickness or injury. The peace of mind this brings to families – especially when they receive the funds to continue paying their bills, so you can focus on healing – well, that’s worth everything!
Long Term Care Insurance is a bit different than disability coverage. These policies help you afford the cost of a long term stay in a medical care facility or the cost of needing home health care. They also provide coverage for rehabilitation, maintenance and/or personal care services. We can help you find affordable coverage that will truly aid you in a time when you and you loved ones need it the most.
As you continue to plan for your future and put all your puzzle pieces in place, why don’t you talk with us about the benefits of purchasing an annuity? We have several options to fit your needs and budget. Ask us how annuities work so you can make an informed decision about it all. And, even save you money on your automobile and home insurance too!
With so much that can go wrong, let us help you make things right; before life takes an unexpected turn.