Individual Life, Disability, Long Term Care insurance

Life insurance can be a source of funds for your spouse, children, business partners or other beneficiaries during an extraordinary time of change.

Sdisabilityome common needs that life insurance can help with are:

  • Income replacement
  • Debt repayment
  • College and educational expenses
  • Business continuation
  • Estate tax
  • Final expenses
  • Child care
  • Charitable contribution
  • Wealth transfer

Individual disability insurance provides:

  • A way to provide for the income you would need during a disability
  • A policy that you own individually and can take with you wherever you work
  • A way to provide for rehabilitation and return-to-work assistance

Long-term care insurance provides access to independent health care professionals who will come to your home, assess the patient, negotiate provider discounts and coordinate the best plan of care.

Did you know:

  • According to the U.S. Department of Health and Human Services 2017 longtermcare.gove, 70% of people 65 will need long-term care at some point in their lives.
  • Semi-private room nursing home care is $235/day or $7,148/month on average, according to Genworth's 2017 Cost of Care Survey. Of course most people prefer care within their own home - and that comes with a cost as well.
  • Cost of home health aide services is $21.50/hour on average, according to Genworth's 2017 Cost of Care Survey.