Life, Disability and more
Over the last 20 years we have had several questions from employees, business owners, friends and family about other insurance needs. Here are the top 4 areas we can help individual find answers…
Over 75% of Americans don’t have enough life insurance… Do you know someone we can help? We always recommend taking advantage of any Life benefits through your employer. However in many cases the Group Term Life is not portable at the same rate, and can reduce as you get older after age 65. You maynot have access to a Group Life plan or just want to know you have enough Life Insurance to meet your family’s needs. We can help!!
If you have an idea of what you need, the amount, Term or Permanent please click on this link to go to our partners quoting site.
(Link to National Brokerage)
If not please email or call and we can discuss!!
Anyone who has access to a Group or Payroll deducted disability plan should take advantage of this option. The Group/Payroll deducted plans are much more affordable, and require less underwriting than individual plans.
Recently I consulted with a business owner looking for an individual Long Term Disability plan. After discussing thier needs we presented a few options. They were actually able to provide all his employees with a Long Term Disability plan and cover himself for about 10% more premium than it would have cost him for his own plan as an individual.
If you are looking for an individual Disability plans we can help!! Email or call today!
(ICON) Long Term Care–
The expected percentage of people turning 65 who will have a long-term care need during their lifetimes. *
Median annual cost for adult day care (five days/week), 2016.*
Median annual cost for assisted-living facility, 2016.*
Median annual nursing-home cost, semiprivate room, 2016.*
Median annual nursing-home cost, private room, 2016.*
This is a very complex issue and can be VERY frustrating. We can assist in helping you to understand and make sense of all the issues within Long Term Care. Probably the most popular benefit in this area is the Hybrid Life Insurance with Long Term Care benefits. If you are an employer we have the BEST plan available in the market today with Transamerica. If you are an individual we can put together quotes for you and review all your options. Give us a call or email today to start the conversation!
* From Article 75 Must-Know Statistics About Long-Term Care – Christine Benz