Planning for future financial goals can be a challenge. We usually don’t have just one financial goal. Although we may initially choose a simple financial goal, we often find our financial needs growing from protecting existing assets against unforeseen loss to accumulating a cash reserve for future needs. As our financial plans mature, we may plan to use anticipated cash reserves to enjoy a more secure retirement. We may even seek to leave a financial heritage to future generations, or protect our existing financial heritage from loss. So many diverse goals, and yet these goals, when linked together, form a unique life story. These are the tools we use to help you plan for your financial future.
- Accidental Insurance
- Child Life Insurance
- Disability Insurance
- Final Expense
- Funeral & Burial Insurance
- Fixed Annuities
- College Plan
- Indexed Universal Life
- Mortgage Payment Protection
- Mortgage Protection Insurance
- Retirement Planning
- Small Company Retirement
- Term Life Insurance
- Whole Life Insurance
Living Benefits Available
Living benefits are most often associated with permanent (cash value) life insurance. But even term life insurance policies can be purchased with one or more riders, which will pay you money while you’re still alive—under circumstances, you, frankly, hope you never find yourself in. Hint: Those circumstances all have to do with illness:
- You’re terminally ill. You can receive a portion of your death benefit in advance, for help with medical expenses, one final around-the-world fling, or whatever.
- You’re chronically ill. Frequently you’re considered chronically ill if you can’t perform several of the six activities of daily living, such as getting out of bed, feeding yourself, bathing, and so forth. You can receive a portion of your death benefit in advance, in situations like this.
- You’re critically ill. That could mean you’ve been diagnosed with a heart attack, stroke, cancer, end-stage renal failure, major organ transplant, or some other pretty grim illness. Again, you can get some or all of your death benefit early—in time to be of some use to you.