Planning for insurance is like building a strong wall to protect you and your family from unexpected things like getting really sick, not being able to work, or passing away. No matter who you are – whether you’re on your own, part of a family, work in an office, or own a small business – we work together to make a plan that’s just right for you.
Life insurance is like a safety net for your family. If something happens to you and you can’t take care of your family anymore, the money from the insurance can help them. This money usually doesn’t have taxes, but sometimes there might be other fees. This money should help pay any debts you have and make sure your family is okay financially.
Some types of life insurance also have a special thing called “Living Benefits.” These benefits let you use the money while you’re still alive. They can give you extra money that you can use for things like emergencies or retirement, and you don’t have to be a certain age to use it. But remember, it’s important to talk to someone who knows about this before using this money.
Long-Term Care (LTC) & Long-Term Disability (LTD) Insurance
If you get really sick or hurt and can’t work for a long time, Long -Term Disability insurance can help you get some money to live on. Sometimes, your job might give you a little bit of this insurance, but you might need more to make sure you’re okay.
Long-Term Care insurance helps you if you need a doctor to take care of you at home or in a special place for a long time. It’s like an extra help for when you can’t do everyday things by yourself. Some jobs
offer this insurance, but you might have to pay extra for it. This kind of insurance can be expensive, and if you don’t end up needing it, you might not get your money back.
We know a lot about making insurance plans that fit just right for you. If you want to learn more, give us a call to set up a time to talk.