Insurance Protection

Financial protection provided by insurance is essential to any comprehensive family or business plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help meet your financial needs. No matter your personal situation—if you’re single or a family; a professional or a seasonal employee; an executive or small business owner—we can work together to design a customized solution.

• Life Insurance (Personal, Estate and Business)
  
• Disability Income
  
• Long-Term Care

Regardless of your stage in life, an unexpected illness or injury can be financial devastating without the proper protection in place. We can work with you to develop a complete risk management solution to protect your income and your assets in the event of long-term care.

Long-Term Care Insurance

The need for long-term care is usually triggered when a person is unable to perform one or more of the activities of daily living, such as getting out of bed, walking, dressing, bathing, or eating. When assisted care is required, and a spouse or personal caregiver is unable or unavailable to provide it, the only option may be to hire the services of a caregiver, home health care nurse, or seek admission to a nursing home.

Long-term care insurance is designed to cover the costs of nursing home care (some policies or riders can be purchased to cover the cost of home care as well). The benefits are typically payable for a certain period of time and the premium cost is based on the benefit amount, your age, certain health factors, and the length of the waiting period before benefits are payable.

We can work with you to design a long-term care insurance plan to provide the most economical protection for your specific needs.

Regardless of your stage in life, an unexpected illness or injury can be financial devastating without the proper protection in place. We can work with you to develop a complete risk management plan to protect your income and your assets in the event of a disability.

Disability Insurance

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Disability insurance products help protect your ability to earn an income, which can be affected if you become disabled for a period of time.

We can help you choose the disability insurance products that provide advantages like:

• Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
  
• Assist with paying fixed expenses for your business if you become disabled
  
• Support the buy-out of a disabled partner’s share of a business
  

Most life, long term care, and disability income insurance policies contain exclusions, limitations, reduction of benefits, surrender charges and terms for keeping them in force. Insurance is subject to underwriting, and there is no guarantee that an offer of coverage will be made.

Working together, we can help you tailor your financial security strategy, so it protects your family and your income with life, long-term care and disability insurance. Contact us today to find out how.

Insurance products and services are offered independent of Osaic Wealth.