What is disability income insurance?

Disability Income insurance is a form of protection that insures a beneficiary's earned income against the risk that a disability impedes a workers ability to complete the core functions of their work. More simply, disability insurance is designed to replace earned income that is lost due to a disability from sickness or an accident.

Contact us to learn more about disability income insurance and to receive a free, no obligation quote. 

What is an Annuity? 

An Annuity is an investment vehicle that provides individuals a way to set aside money on a tax-deferred basis, that can provide a stream of income at a future date that cannot be outlived. That is, if the benefit is to be paid over a lifetime, an annual benefit amount is guaranteed and is paid each month or year that the individual lives. In the event of the individuals passing, proceeds can pass directly to a named beneficiary without a surrender charge, probate delay, or estate settlement costs. 

To learn more about annuities and to request a free, no obligation quote, please contact us directly. 

What is Long-Term Care?

Long-Term care is designed to cover the expenses associated with long term personal and custodial care services. This includes care undertaken at a long-term facility or in the comfort of your own home. Long-term care provides a daily pre-selected daily benefit amount that can be used towards your stay at a long-term care facility, or for in-home personal care services like bathing, dressing, and eating. Long-term Care insurance is purchased to cover a period of time (2, 4, 6, or 10 years) and coverage limits are set by selecting a benefit amount of $50 to $250 per day. 

For more information about obtaining Long-Term Care coverage and for a free, no- obligation quote please contact us directly.