LONG TERM CARE INSURANCE
Long term care insurance offsets the financial burden that comes when caring for an aging or ill family member. As your loved one grows older, he or she may need assistance with daily living activities, such as bathing, dressing, and administering medication. Although Social Security and Medicare may assist with paying for some of these services, families are often stuck with the bulk of the bill – unless they have a long term care policy in place. In addition to standard long term care policies, we also offer hybrid policies that afford you the option to withdraw from the monies allocated to cover additional expenses your loved one may accrue as their condition advances.
Disability Income Protection
From our 20’s through our 50’s and even 60’s, most of us feel invincible – none of us expect to face a situation where we are unable to bring home a paycheck. However, the risk for unexpected injury and disability rises with every year. It’s important to remember that, for most people, the majority of their life expenses are directly tied to their paychecks. Disability Income Insurance is a form of insurance that protects against circumstances like injuries, cancer, accidents, and illnesses that make working and earning money nearly impossible, and includes paid sick leave, short-term disability benefits, and long-term disability benefits.
Personal Insurance - Home and Auto, Plus
Personal Insurance products protect your homes, automobiles, and personal possessions, along with personal liability coverages. Part of investing in your lifestyle, home, and future is putting a plan in place to safeguard the value of your personal assets. Most people know that they need auto insurance to satisfy state laws, but you may not know that you can select additional policies for the things that matter to you the most. While some items (such as an antique wedding ring or your first home) are irreplaceable, having the financial ability to create new memories from the ashes of a tragedy is priceless.