Insurance for an individual is by definition individual, and not purchased by virtue of a group relationship. Essentially, individual insurance is a policy purchased without the involvement of an employer or association.
In recent years, health insurance has been made more available than ever before. Laws have changed, and markets have responded with higher rates. Our firm continues to provide guidance and assistance with available insurance policies.
Life Insurance is Amazing!
Life insurance is the bedrock of advance planning. It provides for the insured, and for the insured’s loved ones when death occurs. Policy styles have changed, and today’s life insurance can provide for other “what ifs” such as:
• Chronic illness
• And long term care all in one policy
With proper planning, insurance can allow for tax free conversion of retirement funds to a policy with survivor death benefits, or long term care as needed. Spending precious savings on long term care expenses without insurance is dollar for dollar. By comparison, buying a policy that will pay multiple times the amount of the premiums in benefit creates a much larger pool of assets to cover expenses for long term care, or to provide for heirs with a death benefit.
Life insurance can provide tax-free accumulation for retirement, taking advantage of market growth over time, all the while protecting the living from a tragic loss. It can secure a bank loan. It can secure funding for the pre-planned purchase of a business at an agreed price to the heirs with a buy-sell arrangement.
The policy purchased years ago may not meet the needs of today. We can help with a policy review, or an initial needs analysis. Give yourself peace of mind by calling today.
AN EXPERIENCED AND CARING INSURANCE AGENT, I PROVIDE CONSULTATIVE INSURANCE SOLUTIONS.
Life insurance can protect the family you love. It can provide tax-free accumulation for retirement, and long term care OR a death benefit in the same policy. It can secure that your business is purchased for an agreed upon price in a buy-sell arrangement. Life insurance can secure a bank loan. Disability insurance or chronic illness insurance can pay bills when you are sick or injured. I will review your current coverage and provide an insurance needs analysis. Prepare now for your needs as good health is a blessing. Provide against tragedy for your spouse, partner, children and grandchildren.
WHAT IS THE BEST HEALTH INSURANCE?
The best health insurance provides access to healthcare and impacts quality of providers and physicians. Insurance solutions for individuals, small groups, and access to large group insurance coverage when only 5 employees enroll. Interested in stable renewals and cafeteria style options? We provide independent insurance advice.