Financial Services

Should something unexpected occur, be sure you’re prepared with the financial resources you may need.

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Group Medical

This product is similar to individual medical coverage with several advantages. Rates are generally lower, coverage is normally broader, and deductibles tend to be lower. This coverage normally includes hospital and surgical, inpatient and outpatient physician charges, prescription medication, laboratory and x-rays, and more. Prescription cards are available. You may lower your rate by participating in a PPO or HMO.
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Group Life

This coverage is similar to individual life insurance, with the exception that rates are normally lower, and coverage is usually automatic. This coverage is normally term insurance.
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Buy-Sell Life Insurance

This is a popular way for partners, stockholders and others to plan for the transfer of ownership from one party to the other, in the event of death. There are many variations to this concept, and one of our life insurance specialists should meet with you to discuss the best method for you. Generally speaking, owners of a business purchase life insurance for each other. Should one owner die, the remaining owner(s) has ready funds (life insurance proceeds) to purchase the deceased interest from his heirs.
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Individual Life Insurance

This is one of the most valuable protections you can provide for your family. The proceeds of this policy are paid to your beneficiary in the event of your death. Many types of policies are available, however, some of the most popular include: Term Insurance (this policy provides protection for a limited period of time, with an increasing premium, and is available in policy periods of 1 year, 5 years, 10 years, 20 years and 30 years. These policies are generally renewable with a premium increase at the end of each period.); Whole Life, which is designed to provide protection for all of a your life at a level premium, and builds a cash value; Universal Life (provides a flexible premium payment, allows you to change the death benefit from time to time, and still builds a cash value); and Variable Life, which is similar to Whole Life policies, but allows the insured to choose how the cash value is invested, shifting the investment risk from the insurance carrier to the insured. The average person should have life insurance equal to 6-8 times their annual income.
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Long Term Care Insurance

As our population ages, we must prepare to take care of not only our parents, but also ourselves. Currently, medicare insurance pays only a limited amount (8 percent on average) of the bills for nursing home stays. Medicaid requires that you use up most of your personal assets before it will pay anything for nursing home expenses. Most health insurance pays nothing for nursing home or home health care. Long Term Care policies are designed to protect your assets and preserve your dignity, by paying for nursing home stays, assisted living facilities and home health care. Normally these policies require that you become unable to perform some of your necessary daily functions (cook, clean, bathe, dress, take medications, etc.) before they pay benefits. This coverage is affordable, and is becoming very popular with clients who are age 50 and older.
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Disability Insurance

Your chances of becoming disabled are 20 to 30 times greater than your chances of dying in any given year (based on ages 35 and above). Disability Insurance replaces your lost income, should you become disabled. You can purchase Short Term Disability (for the first 6 months of wage loss); Long Term Disability (for wage loss after 6 months); or both. This coverage is triggered by your inability to work as the result of accident or sickness.
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Annuities

This investment product is used to provide an income source at some point in the future. You can make a lump-sum contribution or make periodic contributions over time. You select the future time when the principal and interest on the annuity are repaid to you. Annuities are often used when insurance claim settlements are made with small children, and begin paying the child at age 18, providing college funds. Annuities are also often used when large amounts of income are to be paid to an individual. This income can be paid in the future and over several years, thereby reducing the tax impact.

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