Insurance and Risk Planning

It is important that your financial and estate plan takes into consideration the risks that you, your family and your business cannot afford to take. One of the least expensive and intelligent methods is through insurance. We specialize in helping those we serve, protect what they care about. Without the proper evaluation of coverage, a financial or estate plan may fail, leaving you and your family with many unmet dreams and goals.

Life Insurance

Life Insurance can add to an estate with low premiums in comparison to the total death benefit. It also enjoys many tax advantages, and may be an ideal product for your financial plan. Some uses may include:

· Providing funds to pay off a mortgage at death or provide education funding in the event of early death

· Supplementing retirement income needs. The policy cash values can be used to supplement pensions, Social Security and other retirement income.

· Providing funds for an orderly transfer of a business interest at death.

· Helping equalize inheritances to provide benefits of equal value to children not in the business through insurance proceeds.

Disability Insurance

Disability Insurance can provide income if you become disabled and can no longer earn a living? This may be needed to supplement group insurance that is in place at your employer which may have a monthly income cap on it. Disability income

replacement insurance is a long-term solution to a long- term disability.

Long Term Care Insurance

Long-Term Care Insurance covers insureds when they need help with daily medical attention or may simply need help with the basic activities of daily living (ADL) such as bathing, dressing, taking medication, eating, using the toilet, getting in or out of bed, or walking. There are traditional polices which typically require premiums over the life time until needing care or hybrid policies which are typically on a life insurance base and provide some guarantees.

*Note: Life and disability and long term care insurance policies and contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details.