WHY SHOULD YOU HAVE LIFE INSURANCE AND HEALTH INSURANCE?

Because of the cost of Funeral Expenses and Medical Bills could overwhelm you and your family.

Life Insurance plays a vital and valuable role at virtually every stage of your life. Economists know that Insurance is beneficial.  In fact, Insurance Policies are responsible for preventing financial loss to thousands of people.  Many types of industries could not exist without Insurance.

With Health Care Costs and Health Insurance Premiums on the rise, it makes sense to ensure you have adequate coverage at a reasonable rate. Let us help you assess your Health Insurance needs.

Do you rely on your Income to pay the bills?

If the answer is yes, you likely need Disability Insurance. Be prepared in the unfortunate event a disability strikes you or your loved ones.

It’s good to live a long and full life, but you need to be sure your Income and Assets last as long as you do. The longer you live, the more likely you are to need Long-Term Care which involves a lot more than the choice of a Nursing Home. Find out more about the impact of Long-Term Care on your finances and your family.

We can help you make smart choices about which types of product are appropriate for you, how much to buy and which product to select. Let us show you how to manage the risk of “Outliving Your Assets.”

INDIVIDUAL HEALTH

Medical coverage goes right to the heart of why we buy insurance in the first place. We buy insurance as a way to protect ourselves against loss. If you’ve ever had a major injury or surgery, you understand the importance of having good medical insurance.

GROUP HEALTH

There are certain types of benefits that employees will automatically expect from their employer. The first is Health Care. The majority of employees will not only expect you to provide these benefits, but may also be interested in other options, including group Life and Group Dental.

DISABILITY INSURANCE

Disability Insurance helps replace income lost because of an accident or illness. One survey found that 43% of people aged 40 will suffer a disability of at least 90 days before they reach age 65.¹

After completing the form, please click on the “Submit” button. Your information will be emailed to our offices and we will process your request. All information will be kept confidential.

1. 2000 Field Guide, National Underwriter

LIFE INSURANCE

The primary purpose of Life Insurance is to protect your dependents financially in the event of your death. Properly positioned, the benefit from a life insurance policy can provide a steady stream of income for your family. It can also provide liquid capital to pay estate taxes and other obligations.

The share of Americans who reported feeling very confident that they will be able to afford a comfortable retirement fell to 18% this year, down from 27% in 2007. The last time that a mere 18% of American workers felt very confident in their retirement outlooks was in 1993.¹

1) Employee Benefit Research Institute, 2008

Most Americans spend more time planning for vacations and holidays than planning for their retirement.^1
1 Employee Benefit Research Insitute, 2007