In the event of an unforeseen death, life insurance offers families financial protection. There are multiple life insurance options, including term, whole, and universal, and we can help clients determine which is appropriate given their individual needs. We can also assist clients with identifying efficient and cost-effective programs, and help them determine the benefits of optional riders that may cover other health-related situations, such as terminal or critical illness, should such situations arise.
Financial planning aside, we know that heading into retirement age can be a stressful time, particularly when it comes to health coverage. Although Medicare covers short stays in nursing homes and limited at-home care (with strict restrictions), it doesn’t cover daily, extended care services. As such, it is prudent that individuals and families be well prepared. Our long-term care insurance policies offer many different coverage options, with prices determined on a number of intersecting factors. We can help ease clients’ minds by providing practical plans and suggesting policies that best suit their needs.