Long-Term Care Insurance

The value of long-term care insurance

As you age, you may need help with things you've always been able to do yourself - shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing, or taking medications. A long-term care insurance policy is designed to help you pay for these types of services. 

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Long-Term Care Insurance may be right if you: 

• You intend to remain in your home as long as possible: You value your independence and enjoy your home. You're not planning on going anywhere...certainly not to a nursing home.

• Family relationships are important: Your family means the world to you. You love spending time together and don't want to do anything to jeopardize those cherished relationships. 

• You want to protect your retirement savings: You worked hard to plan for a comfortable retirement. Spending your life savings on long-term care services isn't on your to-do list.

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How a long-term care insurance policy works

• When you need care: A licensed health care practitioner must certify you are chronically ill and submit a plan of care prescribing long-term care services. 

• Waiting for benefits to begin: When you purchase a long-term care insurance policy, you will select an elimination policy during which time any costs for long-term care services are your responsibility. 

• Payment of Policy Benefits: Once you become eligible for benefits, you have the option to choose how benefits are paid to you. A traditional reimbursement benefit is payable after satisfying your policy's elimination period. Or you may elect to receive a cash benefit with no elimination period to satisfy. 

• Continuation of Benefits: As long as you remain chronically ill and eligible for benefits, your policy will continue paying for covered long-term care services until your policy limit is reached.

Disability Income Insurance

You've worked hard to build a successful career. The income you earn supports your family, your financial goals, and your lifestyle. That's why your income might be your most valuable asset - even more so than your house, car, or savings.
 

If you were sick or injured and unable to work, what kind of financial impact would the loss of your income have your on your family?

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         Help protect your income. 

Disability income insurance provides benefits to help replace a portion of your income if you're sick or injured and unable to work. It's financial protection that helps you focus more on your recovery and less on how you'll cover expenses.
 

In addition to your income, here are some of the most important things in your life that disability income insurance helps protect: 

• your home 

• your retirement 

• your family

• your personal savings

• your lifestyle

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Disability insurance Products

• Survivor Benefit: Your beneficiary will receive one-time payment of three times your monthly benefit amount if you pass away while you're receiving your benefits

• Transplant Donor Benefits: You'll receive full benefits if you're disabled during surgery while donating an organ or tissue

• Recurrent Disability: Your elimination period is waived if your suffer a new disability within 30 days or a recurring disability in six months. 

• Rehabilitation Benefit: You'll receive vocational rehabilitation services limitations may apply at no cost while you're receiving disability benefits. 

• Waiver of Premium: Your premium for your policy and the optional benefits you select are waived after the elimination period or 90 days, whichever is shorter, is satisfied. 

• Military Suspension: Your coverage may be suspended if you're called to active duty. 

• Presumptive Total Disability: You'll receive benefits for the length of your benefit period if you are considered to be totally and permanently disabled without any chance of recovering to work in your previous profession.

Critical Illness Insurance

The value of critical illness insurance

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If you're diagnosed with a serious illness; one of the last things you want to worry about is your finances. A critical illness insurance policy helps provide protection from a variety of covered conditions, so you can focus on getting well. 

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Who needs Critical Illness Insurance?

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• Families: With critical illness insurance coverage, families may have peace of mind knowing they've done the right thing to keep to keep the house running as smoothly as possible. 

• Individuals in need of a high deductible filler: Critical illness insurance may be the ideal solution for those who are worried about covering costs of a high deductible health insurance policy. 

• Small Business Owners: Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, a critical illness policy may help keep operations running as smoothly as possible for a time.

     Is a critical illness policy right for                                 you?

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Critical illness insurance provides coverage for a wide variety of conditions that may have a significant impact on your finances, even if you have health and disability insurance. With rising treatment costs and deductibles, you may want to consider insurance protection to help cover unexpected expenses.  

Cancer, Heart Attack, & Stroke Insurance

The value of Cancer insurance & Heart Attack/Stroke Insurance 

With the diagnosis of cancer or heart disease comes the reality of medical bills, time off for treatments, monies for living expenses, and for some, the cost of high deductibles. Cancer insurance & Heart attack/stroke insurance helps provide the resources you need so you can focus on your treatment, not your finances. 

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Who needs cancer insurance & heart attack/stroke insurance? 

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• Families: With Cancer insurance & Heart Attack/Stroke insurance, families may have peace of mind knowing they've done the right thing to keep the house running as smoothly as possible. 

• Individuals who have high deductible health plans: Cancer Insurance & Heart Attack/Stroke insurance may be the ideal solution for those who are worried about covering costs of a high deductible health insurance policy.

• Small Business Owners: Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, Cancer Insurance & Heart Attack/Stroke Insurance may help keep operations running as smoothly as possible for a time. 

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Are Cancer Insurance & Heart Attack/Stroke Insurance right for you? 

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Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their existing coverage is adequate to cover all the expenses associated with these conditions. As cost and deductibles rise, so may the need for the insurance protection to cover out-of-pocket or living expenses.