Individual Life & Health Insurance Team
Insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance may potentially protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to address goals, like buying a house or retiring comfortably.
I have access to a variety of insurance products that can help address your financial planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.
- Long-term care, disability and critical illness
- Health and dental
- Group health benefits
*This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
In the event of death, life insurance offers surviving family members increased financial confidence. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.
The potential advantages of life insurance may include:
- An instant estate for your loved ones at a time when funds are most needed
- Death benefits that are generally non-taxable for named beneficiaries
- Avoid probate costs if you name a beneficiary other than your estate
- Potentially offer your loved ones creditor protection through some life insurance plans
- Build tax-advantaged capital for retirement purposes or provide access to cash value component available through some permanent life insurance plans*
I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.
Life insurance can play a vital role in your financial security plan - contact us today to find out how.
*This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.
Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, I can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.
When designing your customize health and dental insurance package, you can choose from an array of services. Options include:
- Prescription drugs, which many consider one of the most valuable forms of health coverage.
- Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist.
- Vision care if you or your family members wear glasses or contact lenses.
- Protection while on vacation or a business trip with out-of-country medical coverage.
- Access to private or semi-private hospital rooms.
Contact us to find out more about enhanced healthcare for you and your loved ones.