Insurance
Financial Protection
Navigating the process of choosing the appropriate types of insurance can be overwhelming, but our team is here to help. We'll work closely with you to develop a customized plan that provides the protection you need at a price you can afford, so you can feel confident that you and your family are financially secure, no matter what challenges you may face.
Term life insurance provides coverage for a set period of time at a generally lower cost than permanent insurance. Many term life insurance products allow you to convert to a permanent policy, such as whole life insurance. The cost of insuring oneself increases over time, so it’s important to understand your short- and long-term needs for financial security when you select a policy.
Permanent life insurance offers lifelong financial protection as long as the policy remains in force. With various policy types available, permanent life insurance provides flexibility to help meet your unique needs and goals, such as Whole Life, Universal Life, Variable Universal Life Insurance, and Survivorship Life Insurance.
Disability income insurance is an important financial safety net that can provide you with a portion of your income if you become disabled and are unable to work. This type of insurance is designed to replace a portion of your income, allowing you to continue to pay bills and support yourself and your family even if you're unable to work due to an illness or injury.
Long term care includes variety of services and supports to help meet personal care needs over an extended period of time. The benefits include helping perform Activities of Daily Living (ADLs). Long term care services are generally not covered under personal health insurance or Medicare because they are not intended to cure, improve or treat a specific medical condition. Medicaid may help individuals with income and assets below the state requirements.* *For more information regarding benefits provided by Medicare or Medicaid (Medi-CAL in California) visit http://www.cms.hhs.gov Medicaid guidelines vary by state. Contact your local Medicaid office for details.
Voluntary group benefits are benefits that an employer offers to its employees that are paid for by the employees themselves through payroll deductions. These benefits are typically optional, and employees can choose to enroll in the benefits that best fit their needs and budget. Examples of voluntary group benefits include disability income insurance, life insurance, and among others.
No business plan is complete without a financial strategy for the unexpected. Start by exploring all your protection options. Then develop a long-term strategy that can help protect the continuity of your business should you, a partner, or key employee decide to retire, leave the business, or unexpectedly dies or becomes disabled. Most business owners spend the majority of their time working in their business instead of on their business. We can help ensure that the business protection needs that are critical to the long-term success of your business are taken care of.