Risk Management

Managing risk is an essential element for maintaining financial stability. Insurance protection can create a sense of security in the case of an unforeseen catastrophic event.

Life Insurance – The purpose of life insurance is to provide protection and financial sense of security to a family following the death of the insured. Life insurance not only provides death benefit to surviving beneficiaries, but cash value life insurance policies can also provide supplemental income for college funding or retirement.

Disability Insurance – Disability insurance helps replace lost income when you are unable to work due to a disability resulting from an illness or accident. According to the Council for Disability Awareness, Americans have a 1 in 4 chance of suffering a long-term disability; yet, over 100 million Americans go without private disability insurance. Being prepared for the unknown is a critical component to your financial security.

Long-Term Care (LTC) Insurance – Long-term care (LTC) insurance provides nursing-home care, home-health care, personal or adult day care for elderly persons with a chronic or disabling condition that needs constant supervision. The cost of extended care could be exorbitant and have an adverse effect on your ability to maintain a comfortable retirement. LTC insurance may be the option for you and your family to guard against such expense.

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