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Protecting your Family

Looking after those you love

Looking after those you love

None of us like to think about what would happen "IF".  What if I died?  What if I were sick or hurt and cant' work?   What would that do to your family?  As our lives become more complex, it is imperative that you understand how to protect those you love from financial disaster.   It is sobering to understand that you have no control over when "IF" happens.  You can, however, provide protection from the financial hardships "What- if" can cause.   

We specialize in helping families and business owners protect what is most important to them.  We use our experience in Life Insurance, Disability Insurance, and Long-term Care to educate you on your insurance options, and to protect your interests.

Life Insurance

Life Insurance

We don't like to think about it, but there is a 100% chance that you won't be here some day.  It is important not to underestimate the financial impact that would have on your family.  Life insurance is an affordable and critical safety-net.  It provides a tax-free death benefit to your beneficiaries so they may stay financially stable.  Clients have many plan options to choose from.  

We work with you to define the appropriate amount of protection, and guide you on the best insurance solution to fit that need.  As your financial life changes we are here to make adjustments, so the people you love are financially protected.

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Disability Insurance

Disability Insurance

Did you know that falling off a ladder is NOT he most common form of disability?  The majority of disability claims are due to sickness.  Events like cancer or many other illnesses force people out of work, and into financial crisis.  Whether a disability event is caused by illness or injury, it can be life changing, and not in a good way.

The good news is you can help protect yourself with disability insurance.  Disability insurance replaces a portion of the income you lose when unable to work due to illness or injury.  These plans can be customized to fit your needs and budget.  As with every aspect of how we help our clients, we work with you to define the proper amount and type of coverage to best protect you and your family.

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Long-Term Care 

Long-Term Care 

An important part of planning is determining how to provide for our needs as we get older.  For most of us, an event is like an iceberg threatening our retirement.  A Health Care event imposes tremendous financial, emotional, and logistical burden on the family.  In addition, there is a 1 out of 2 chance you or someone you love will need Care.  

We understand the issues surrounding planning, and the insurance planning options that can form the backbone of a client's plan to protect their life's hard work from being liquidated by a Health Care event.  The first step is a simple conversation.

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