Client Login   |   Resources   |   Contact Us   |   Employee Login
Life, Disability, Long Term Care

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

Some of the more 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, 70 out of 100 people reaching age 65 will need LTC services during their lives.
  • The average private room in a nursing home now costs more than $77,000 a year, according to Genworth's 2011 Cost of Care Survey. Of course most people prefer care within their own home - and that comes with a cost as well.