Selecting the right protection for yourself and family can
be challenging. What deductible and co-insurance should you
choose? Should you include prescription coverage? Is a
Health Savings Account
(HSA) plan (with its
tax advantages) right for you? Let us guide you through the
health insurance maze.
Once you are eligible
for Medicare – which
is usually at 65 – you should consider either an individual
group employer-based Medicare supplemental plan to cover the
costs Medicare doesn’t
cover. Sorting out the different options may be confusing.
Let us help simplify things for you.
Basic term insurance
is typically the least expensive over a
short time and can provide sufficient protection for your
family or business.
Long term, some type
of “cash value” life insurance may be more appropriate.
Having both types of coverage may be the best way to meet
both your short and long term needs and goals.
is often the most overlooked insurance
in a financial plan. There is a one in three chance you’ll
become disabled for 90 days or more before you turn age 65,
from either accidents or illness. Disability insurance helps
pay your bills when you can’t work.
Although long term care insurance can be expensive, it can
also protect your assets
and give you some control over the type
of care you receive as you age. For example, would you
rather be cared for in a nursing home or your own home?
Together, we’ll strive to design a
plan that meets your requirements while keeping your premium
becoming more important these days because they can provide
a lifetime income, often tax deferred. You’ll likely live
longer than your parents; annuities
are one way to plan
for income over your entire life.