Services
Two of the biggest threats to a financial plan are needing years of care and losing the ability to earn a paycheck. Insurance can shift some of that cost to an insurer so your savings and family are not left to cover it alone.
Your options
Helps pay for care at home, in assisted living or in a nursing home when you need help with everyday activities such as bathing or dressing, or have a cognitive impairment. Benefits are paid up to the limits in the policy.
Often a fit for: Protecting retirement savings and reducing the burden on family members.
A life insurance policy or annuity with a long-term care benefit. If you need care, you can use benefits for it; if you never do, a death benefit may pass to your beneficiaries.
Often a fit for: People who dislike the idea of paying for coverage they may never use.
Replaces part of your income if illness or injury keeps you from working. Policies differ in how they define disability, how long you wait before benefits start, and how long benefits last.
Often a fit for: Anyone who depends on their paycheck, including self-employed people and business owners.
A free, no-pressure conversation with a licensed agent. We compare options from multiple carriers and explain them in plain English, at no fee to you.
