Life & Disability
Protect Your Livelihood
Your livelihood is your way of life. How much income do you live on? How often do you travel? What does your grocery budget look like? What the cost of your children’s daycare or schooling?
In other words, how much income do you need for your family to maintain your current lifestyle if something were to happen to you or your spouse?
If you were to unexpectedly perish, a life insurance policy would ensure your dependents wouldn’t need to worry about lost income. If you were to become severely injured and unable to work, disability insurance would step in to make up some or all the lost wages.
Protect your livelihood today.
Life Insurance
No one likes thinking about death, but your family’s livelihood depends on it. If you were to get hit by the proverbial bus tomorrow, how would your family replace your income? Life insurance isn’t a product meant to protect you – its purpose is to protect your loved ones.
Disability Insurance
If you could no longer work, how would you replace your income? Disability recovers some or all your wages. Short-term policies help you make up the gap until you’re back to work, while long-term disability plans cover you if returning to work just isn’t an option.
Accident Insurance
An added policy to health, life and disability insurance is accident insurance, which often pays a lump sum to the policy holder or dependents in the event an accident leads to an injury or death. Accident insurance can be beneficial if your health insurance plan has high deductibles that you’re unable to pay or if you think you’d face added expenses outside of your medical bills not covered by health insurance.
Long-Term Care
Let’s say you have an injury or medical condition that requires you to move into a nursing home, assisted living facility or rehabilitation center. A long-term care policy would help pick up the often-overwhelming expenses. Long-term care can also be an excellent supplement to retirement planning, as medical care is often the biggest expense in retirement.
Health Insurance
Just 55% of the U.S. population gets its health insurance through an employer-sponsored plan. If you’re self-employed, work for a company that doesn’t offer benefits, or simply don’t have access to an employer-provided health plan, we can help.
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Your Life. Our Mission.
Learn how we use a holistic approach to protecting what's most important to you – from the things that you own to the life that you've built.
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Protect Your Purpose today. Simply fill out the form below and we'll reach out to start your risk management plan.