Insurance Planning

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective recommendations to provide you with the peace of mind you seek.

• Life
• Disability
• Long-term Care

Disability Income

If you have an illness or injury that makes it impossible for you to work, disability income insurance can provide you with a portion of your lost income. The benefits are paid monthly to help with your mortgage, car payments or living expenses, or to keep your business running without you.

Long-term Care

When planning for long-term healthcare needs, it’s important to keep in mind that:

• Medicare is not nursing home insurance and does not cover long-term care
• Private medical insurance or Medicare supplement plans do not cover maintenance care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.