Protecting your family’s future for as little as $15* a month with a life insurance policy can prevent your family from more heartache. Life insurance policies are protection from lower home prices, higher expenses, and an overall American Recession. Insure the stability of your family for years to come. Your family’s well being and financial security is our priority.
LIFE INSURANCE:
Life insurance allows you the peace of mind you may only get from knowing that you’ve sheltered your loved ones. In the event of your death, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want, such as:
- Fund your children and grandchildren’s education
- Paying off credit card and household debt
- Paying for your funeral costs and other related expenses
- Most importantly, help to cover for your lost income
I can offer, Term Life for temporary simplified coverage and no cash value.
Whole Life for permanent coverage, with guaranteed premiums, death benefits and cash value growth.
Universal Life for permanent coverage, flexibility and less emphasis on cash value.
Variable Universal Life for permanent coverage, and potentially higher cash value through investment options, but you accept some risk.
Survivorship Life for lifetime protection for two people that pays a benefit upon the passing of the surviving insured.
With over 1,800 life insurance companies to choose from, we will discuss which makes the most sense for you and decide from there!
DISABILITY INSURANCE:
If your paychecks suddenly stopped because you were too sick or injured to work, what would your next step be? You’d still have to pay all your monthly bills, including food, utilities, house, and car payments. Add in tuition and retirement, and it’s easy to see how your life savings could quickly be eliminated.
Unfortunately, you can’t rely on other income sources like Social Security to protect you. In many cases, they don’t apply — or aren’t enough (see below)! I have flexible Disability Income Insurance policies that:
- Provide monthly income to help maintain your standard of living
- Can be customized to fit your particular situation
- Help you retain independence and dignity without burdening others
- Help keep your financial dreams and goals for the future intact.
Why other resources are not enough:
- Social Security disability payments are limited to disabilities expected to last at least 12 months or end in death. To qualify, you must be unable to engage in any type of work.
- Personal Savings can best be used to build a comfortable future. Add up your monthly bills, then multiply by 12 and you can see how fast even substantial savings can be depleted by unexpected illness or injury.
- Long-Term Disability Insurance offered through your employer is a start. But workplace DI benefits primarily cover only about 50% of your income.
HEALTH INSURANCE:
Without health insurance, you may not be able to afford expensive medical services when you need them. Do you really want to be significantly out of pocket when you are sick?
Studies have shown that having health insurance can be a much cheaper option in the long run for some people. For example – A self-funded knee surgery could set you back up to $13,000 – to save this money before the surgery may be impossible for some. I know, because I have had to! If in the future, you find out that you need knee surgery (or some other elective treatment), you will need to have the right coverage in place, and to have served any relevant waiting periods, or else you may have no option but to save for the surgery!
Choosing the right Health Insurance can help put you at ease so that an unexpected occurrence can be covered (depending on your level, type of cover and any relevant restrictions that may apply). We will work together so you and/or your family have greater control over the medical services you receive and the timing of those services. With so very many major companies to choose from, we will do the research to make sure you are spending the right amount of money, and getting the BEST coverage. From Aetna, to Blue Cross, to Kaiser, or anyone else, we will get you the Insurance and peace of mind you need!
*Certain terms and conditions apply. Please call for details.
