"Without insurance, an unforeseen event could jeopardize all of your planning. Just as when the foundation of a house crumbles, the rest comes quickly crashing down." - Dennis Grinestaff
By analyzing your situation, we are able to help determine what types and amounts of Life, Disability and Long-Term Care insurance are most suitable to help protect you and your family.
We examine your current employer or individual coverage and cost efficiency to verify you are properly insured at the best price.
Often we find we are able to save our clients money and have them properly insured for a longer time at a lower long term cost.
Our relationships with the top insurance companies in the marketplace, allows us to find the best underwriting and pricing for each client.
Your most valuable asset is your ability to work.
Take your current annual income and multiply that by how many working years you have until retirement.
$150k income X 25 years to retirement = $3,750,000 plus inflation!
Employer Disability plans typically only pay out 66% of your income and are usually capped to $10,000/mo. Making higher income earners under insured.
The inability to work can have a significant impact on you and your family's well-being. Make sure you are properly covered, as not to add insult to injury.
As you age, your insurance needs change.
The need for life insurance declines as debts decrease and wealth increases. At the same time, the risk begins to rise for the need for long-term care.
We first review your current life insurance to explore the possibility of being able to reposition it to include long-term care insurance. If not, we explore traditional policies, purchasing a life and long-term care hybrid policy, and designating an asset to provide for care.
Wouldn't it be a shame to see your hard earned wealth go to a nursing facility, leaving your spouse destitute and your heirs with no inheritance?