Disability Income Protection (DI)
Annuities & Tax-Advantaged Retirement Planning
Disability Income Protection (DI)
DISABILITY INSURANCE (DI) - Your earned income IS your greatest asset! Without it...... nothing else matters! If you got sick or hurt and couldn't work to make a living, how long could you make it on your savings before running out of money? Disability Insurance or "DI" can cover your personal living expenses such as the mortgage or rent, car payments, utilities and groceries and even funding your retirement. We can also cover your STUDENT LOAN PAYMENTS whether you are totally or partially disabled.
Life Insurance
Annuities & Tax-Advantaged Retirement Planning
Disability Income Protection (DI)
LIFE INSURANCE - We can help you to protect your family and loved ones with the right type of coverage, i.e. Term Life, Whole Life, Universal Life or Indexed Universal Life. We broker with the top "A+" rated life insurance carriers to help you shop and compare for the best rates. Is there anything else in the world more important than protecting your family?
Annuities & Tax-Advantaged Retirement Planning
Annuities & Tax-Advantaged Retirement Planning
Annuities & Tax-Advantaged Retirement Planning
FIXED INDEXED UNIVERSAL LIFE INSURANCE & ANNUITIES - We specialize in safety and guarantees to create guaranteed income for life with zero worry about the market, no matter how long you live. Why gamble with stocks, bonds and mutual funds and leave your retirement to chance when you don't have to?
Long Term Care (LTC)
Insured Buy/Sell Partnership Agreements and Key Employee
Annuities & Tax-Advantaged Retirement Planning
Long Term Care (LTC) is primarily used for TWO things: One, to protect your hard-earned assets from getting annihilated because the cost of long term care is super expensive and keeps getting worse. Two, to get the care you want WHERE you want; most people would prefer getting their care in their own home, as opposed to an outside facility. Sometimes this is handled with a stand-alone "LTC" policy, or sometimes it is handled with a special permanent cash value life insurance policy with a special "living benefits rider," that can allow the insured to access a portion of the tax-free death benefit while alive to cover chronic illnesses (long term care).
Disability Business Overhead Expense Protection (BOE)
Insured Buy/Sell Partnership Agreements and Key Employee
Insured Buy/Sell Partnership Agreements and Key Employee
BUSINESS OVERHEAD EXPENSE (BOE) - If you run a business or practice - how will you cover your overhead expenses if you become totally disabled? BOE reimburses routine business expenses such as payroll, utilities, malpractice insurance, a mortgage or the office lease. With a "Business Loan Repayment Rider" (BLRR) We can also cover your BUSINESS OR MEDICAL PRACTICE COMMERCIAL LOAN PAYMENTS to keep your practice open and operating. Premiums are even TAX-DEDUCTIBLE!
Insured Buy/Sell Partnership Agreements and Key Employee
Insured Buy/Sell Partnership Agreements and Key Employee
Insured Buy/Sell Partnership Agreements and Key Employee
BUY/SELL LIFE AND DISABILITY INSURANCE - Provides the immediate liquid cash needed most when a business partner dies or becomes totally disabled. Most businesses and partners simply do not have the liquid cash to buy out a deceased or disabled partner's share or estate. Not having a well-drafted buy/sell agreement, funded with insurance is a recipe for drama, discontent and disaster.
Key Person Insurance covers your business or practice when one of your best top employees either dies or become disabled. It can also provide extra incentives and rewards to attract and retain top talent.