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Disability Insurance

There are four types of Disability Insurance:

-Individual Disability coverage protects you in case of an accident or illness. This type of insurance pays you a benefit that replaces your paycheck.

-Business Overhead pays a benefit to the firm to pay the overhead of the business when an owner is disabled.

-Key Man Coverage protects the key individuals of your business. If this key individual becomes disabled, your firm will be paid a benefit to hire and pay the new individuals salary.

-Buy-Out Coverage covers the owners of the firm and pays a benefit that allows one owner to buy the company from a disabled partner.

Long Term Care Insurance

There are two types of Individual Long Term Care coverage:

-Individual Policy is an insurance policy that protects the assets of an individual. This policy pays a benefit when you cannot perform two activities of daily living. The standard policy is usually purchased by individuals with after-tax dollars.

-Prepaid Policy is the same policy as mentioned above except that the policy has a term and at the end of that term the policy is paid for completely. It is usually paid by a corporation for the owners and executives. The term of the policy is usually 10 years or to age 65. The prepaid policy is usually purchased by companies for the owners, partners or executives and is paid for at the end of a specified term.

Life Insurance

There are three types of Life Insurance:

-Term Coverage is the least expensive Life Insurance policy. Premiums are usually set as 20 or 30 years. This policy continues as long as you pay the premiums. A good strategy would be to purchase a large amount of Term for 30 years. Purchase this as young as you can. This policy covers your life when you need it the most, young with family responsibility.

-Universal Life is a policy that allows you to have a fund attached to your Life Insurance that accumulates money. Universal Life provides an interest that fluctuates during the contract. The carrier will provide a range that the interest rates will fluctuate with, establishing a minimum level. A good strategy for Universal is to purchase a flat amount to have for the rest of your life. Once you have accumulated enough money on the fund, you stop the premiums and then the coverage continues for the rest of your life.

-Whole Life is a policy similar to Universal Life except the interest rate to the fund is set at a specified rate. This rate is usually in the middle of the range of a Universal Life policy.

Annuities

If you are uninsurable for Long Term Care, we offer a wide variety of annuities that you can choose from. We offer all the major carriers and plan design options. Our Consultant will be able to walk you through your options and create a plan that works with you and your family.

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