DISABILITY INSURANCE - 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 - 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?
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?
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!
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.
Sean is one of our very top valued clients. Listen to Sean share why he feels disability insurance is so important to protect his income, his family, his business and his employees and how he feels about working with us at Radwick Financial Group.
Watch Alyssa Taber, widow and mom share her story and how she feels about life insurance