Not every employer provides employee benefits such as health insurance, life insurance, disability insurance or long term care. Our firm helps you take matters into your own hands to help keep yourself healthy, your assets covered and your family taken care of.
Below are some of the lines of coverage we write for individuals:
Life insurance policies provide a benefit in the event of your death to the beneficiaries you choose, typically members of your family. This provides peace of mind to you and your family, that in case the unthinkable happens those who depend on you will be taken care of financially. Some policies also offer other financial benefits you can take advantage of while you're living.
Disability insurance offers benefits to help replace a percentage of your income if you become disabled, whether it's a short-term or permanent disability. Though most people think that this will never happen to them, if an unexpected injury occurs, having this insurance will greatly reduce financial stress for you and your family so you can focus on your care.
Long Term Care Insurance
Long Term Care Insurance (LTC) provides benefits that help cover the costs of supportive care in the event that you are unable to care for yourself; costs that are typically not covered by health or other insurance. An LTC policy ensures that you will not become a burden to your family and protects your finances from the costs associated with care when you cannot perform daily living tasks.