Protection Analysis
Do you remember how the amount of life insurance you currently have was determined? Was it your agent who made the suggestion? Was it your lawyer? Were there any calculations done to arrive at this number? Once established, did anyone ever review the coverage amount with you? If so, what parameters were used to determine the amounts?
There are several types of life insurance policies. The most common types are permanent life insurance and term life insurance. Permanent life insurance provides a lifetime of protection and accrues cash value and thus offers a lifetime tax efficient savings component. Term life insurance provides protection only during a specified term and does not create a cash value. As a premier provider of life insurance, we can help you determine the amount and type of insurance that is best for you and your family. We will complete a comprehensive review of your current coverage and make recommendations based on the wants and needs of your family.
Disability Income Insurance
While it is not uncommon for most people to insure their lives and material assets such as their homes, cars and valuables, many undervalue their option to sufficiently protect their most valuable asset, their ability to earn an income.
You may obtain disability coverage individually or through a group. If your employer does not provide group coverage or, if what you have wouldn’t be enough to sufficiently provide for you and your family, you might consider an individual policy.
Group disability policies typically pay 60% of your income after a 180-day waiting period. These benefits are taxed if your employer paid for the coverage
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What a Real Fiduciary Will Tell You about How to Protect, Grow, Enjoy, and Transfer Your Wealth
