The prospect of suddenly having to face life with a disability that limits your ability to work in the way you’re used always seems unlikely. Disability is something other people face, maybe in old age, but not you. While disability insurance may seem unnecessary right now the facts give cause for the preemptive action. Approximately 12% of the total American population and more than 37 million Americans are categorized as disabled; more than half those disabled Americans are between...
We manage money the way clients want it managed. We offer non-proprietary products, which are either fee-based, commission-based or both. During the conversation of possible strategies, we together weigh the pros and cons of what might be best for you.
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We care about ensuring that you, your family and your business are ready to handle anything life can throw at you. Because of that, we strive to bring you the best coverage for Life, Disability, and Long-Term Care insurance. Our access to multiple providers allows us to shop the market to find the best coverage for you.
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Making the wrong decision on when to file for social security could cost you and your family tens of thousands of dollars. We help you understand how to maximize your benefits.
The term beneficiary crops up every now and again. Usually you’ll see it on an insurance form or hear about it in relation to a will, but despite the nonchalance we toss the term around with, beneficiaries are incredibly important. Let’s break down the details on how and why beneficiaries matter.
What’s a beneficiary actually mean?
A beneficiary can be anyone—a person or a nonprofit organization like your church or the local homeless shelter—...
Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB).
What is the Social Security Survivorship Benefit?
If you qualify for Social Security and pass away, a...