A specific risk to which all households are exposed is loss of income. Whether it is a consequence of a serious injury or illness or the result of an untimely death, the unexpected loss of income can have a devastating impact on a family. It is our job to determine how you can be protected from this risk.
In the event of a prolonged injury or illness, expenses continue and in many cases increase while one’s income stops. These are difficult circumstances to manage but there is a wide spectrum of the extent to which these circumstances can leave a family financially shattered. To accommodate this, we offer disability insurance products that allow the freedom for the high degree of customization necessary to help meet the complex needs of our clients.
Life insurance is also a crucial tool in preparing for the need for income replacement. These products can also be customized to accommodate a variety of needs from covering an outstanding mortgage to providing funds to maintain a standard of living.
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.