Asset and Income Protection
For most clients, their greatest asset is the ability to work and produce income. Disability and death put this asset at risk. We live in an increasingly litigious society, where lack of insurance creates liabilities that can hinder your assets and future income. For many older couples, being underinsured poses a risk to their assets if one spouse requires long term care (LTC).
We help clients balance these risks with saving for retirement. There are relatively inexpensive insurance products that insure against death and disability. In addition to traditional LTC insurance policies, where paid premiums may never be recovered if benefits are not needed, there are hybrid life insurance policies that produce a death benefit, and a certain level of cash value, if LTC benefits are not needed.
As part of your relationship with us, we will have a dialog regarding your insurance needs and your current insurance coverage. We can evaluate and recommend various insurance products and risk management strategies, so you can understand the pros and cons of different insurance policies, and make informed decisions. As with any of the services and products we offer, you are never under any obligation to make a purchase based on our recommendations.