Life insurance is available in a variety of types with a variety of purposes, including temporary coverages that protect your family from the loss of income due to a premature death as well as permanent coverages that provide death benefits no matter when you die and accumulate cash value that you can access throughout your life. We’ll help you identify the right type and amount of coverage for you and your family based on your particular circumstances.
In the event you are unable to work, disability insurance replaces a portion of your income to help you support your family, maintain your lifestyle, and make progress on your financial goals while you recover. We’ll help you find the type of disability insurance coverage that’s appropriate for your occupation and family circumstances.
Long-Term Care insurance is designed to empower you in making choices regarding care as you age. In the event you are unable to care for yourself independently, it helps you afford the quality and method of care you want without potentially depleting your nest egg and interrupting the legacy you wish to pass on. It also allows your loved ones to focus on relationships, rather than the responsibility of day-to-day care. If a long-term care policy is a good fit for you, we can help you weigh the options.
Annuities provide a regular stream of income in retirement that helps protect you from outliving your assets. A large variety of annuity types and structures are available. We’ll help you understand the various types and structures and determine if an annuity is appropriate for you based on your goals and circumstances.
Our Asset Protection Team
Ray works with our other financial professionals to make sure our clients have the appropriate levels of life, long-term care, and disability insurance. Helping clients have the right amount of insurance for financial and estate planning is another example of how we look out for all aspects of our clients’ financial well-being.
