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State Directory- Life InsuranceWhole life insurance typically requires that the owner pay premiums for the life of the policy. There are some arrangements that let the policy be ‘paid up., which means that no further payments are ever required, in as few as 5 years, or with even a single large premium. Typically if the payer doesn’t make a large premium payment at the outset of the life insurance contract, then he is not allowed to begin making them later in the contract life. However, some whole life contracts offer a rider to the policy which allows for a one time, or occasional., large additional premium payment to be made as Long as a minimal extra payment is made on a regular schedule. In contrast, Universal life insurance generally allows more flexibility in premium payment. Request a Quote Today!
- Health InsuranceCancer plans will pay a fixed benefit based on the amount of coverage purchased in the event of a diagnosis of cancer. Around 60-65% of the total cost of cancer is non-medical so major medical insurance will not cover it.
- Long Term CareLong Term Care helps a person live as comfortable as possible in the situation they are currently in. The use of Long Term Care most often will not improve medical conditions but will provide the services to help with daily living and the care one needs. A Long Term Care Insurance policy provides benefits and coverage that will play a big part in paying for a nursing home, home health care, and comprehensive care. LTC Insurance is important to have because of the fact that around 70% of people will need to use it and the percentage of nursing home expenses paid by Medicare is minuscule.
- AnnuitiesBecause most people’s retirement income will come from their personal savings, it is important to plan out how you want to grow your assets. Annuities are a safe way to grow your savings on an income tax-deferred basis. Some of the benefits to annuities include tax advantages, potential for lifetime income, safety features, and payout flexibility. Learn More