Protecting you and your family doesn't end with just protecting your health. We want to help protect your family even after you are gone. Life insurance can be a sensitive topic. Nobody likes to think about the big "What If", but we all know it is an important question to ask. There are many things to consider when thinking about life insurance, but it all hinges on one question: Where do you want your family to be financially if the "What If" actually happens? Your advisor will walk alongside you and your family to help you navigate all of the big questions and help you find a solution that will keep your family protected.
Our Protection Solutions
Health Insurance
Whether you are needing help choosing your benefits at work or you are exploring coverage options for you and your family, we will walk with you and help you navigate the best fit for your needs.
Life Insurance
If you're looking to protect your family financially just in case the worst should happen, or if you are trying to plan for the future, we have solutions that will work for you!
Medicare Solutions
Medicare can be a new realm of confusing for many people. It can be even worse if you are getting blasted with phone calls. We can help you navigate your options and find which Medicare solution is right for you.
Financial Coaching
Get on speaking terms with your finances with a personal coach at your side. Need help managing debt? Tired of living paycheck to paycheck and want a strategy to a more sustainable way of life? We got you covered
Disability Insurance
Want some padding for you income in case you are ever unable to work? Disability insurance can help protect you in case of a short-term or long-term disability and help keep you and your family going while you wait to return to work.
Long-Term Care Insurance
Planning for the future can be challenging. The cost of assisted living facilities, home health care, and other long-term care solutions can be expensive, especially if you find yourself on a fixed income. We can help you plan ahead and make sure your long-term care needs will be met.
Identity Theft Protection
Keep you and your family safe from identity theft. Simple and inexpensive.
Learn more about life insurance:
Term Life Insurance
Term life insurance is good for a set period of time such as 10 years or as long as you remain with your employer. It tends to be less expensive than whole/permanent life insurance because it has a set end date. Term life insurance can be an inexpensive way to pay off debt or replace income in the case of someone's passing. Your advisor can help walk you through options that will fit your family's specific needs.
Whole Life Insurance
Whole life insurance is exactly what it sounds like. It is a policy that covers you for your entire life, not just a set period. These policies normally have a set monthly cost that never goes up for as long as you have the policy. Whole life insurance also has a cash savings component, known as the cash value, which the policy owner can draw on or borrow from. This cash value
typically earns a fixed rate of interest and grows over time. This makes Whole Life Insurance very versatile. While some may use it to pay for final expenses such as burial expenses or medical bills, there are many that use a whole life policy as a savings account or even to supplement their retirement income. Whether you simply want a small final expense policy or you want to use whole life for something more, your advisor can work with you to find the right solution for your family's needs.
Employer Life Insurance
Many people have access to benefits through their employer. One of these benefits is usually access to life insurance. Most employee benefit life insurance is term insurance for the duration of the employment. In other words, if you leave the company, the policy term ends. The positive aspect of employer sponsored life insurance is that the cost of the policy can be very affordable. However, it is always important to have coverage beyond what your employer offers. Some employers will offer whole life insurance policies as well, but very few have whole life insurance that you can take with you when you leave a company. Your advisor will take into consideration any life insurance you have through your employer and help you navigate any protection needs beyond that coverage.
