A football team wouldn’t be strategic without a defensive end. A house crumbles without a strong foundation. We cannot hammer a nail sufficiently with a saw.
Life/disability income insurance and the defensive strategies that these policies provide are an important component of the complete planning process. Life and disability income insurance can be designed for protection mechanisms not only to cover insured lives, but also can be:
- designed to create a legacy.
- implemented for business protection purposes.
- designed to develop an income stream.
- used for tax strategies.
- accessed when faced with a long term care event.
- utilized for loans or withdrawals to pay for college or other expenses.
Services available are:
- Group Life Insurance
- Group Short-Term and Long-Term Disability
- Individual Term and Permanent Life Insurance Policies
- Survivorship Policies
- Individual disability income insurance
- Long-Term Care Insurance
Loans and withdrawals will reduce the death benefit and, if excessive, may cause the policy to lapse.
