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Long Term Care Planning
Long Term Care Planning

The biggest expense later in Retirement is the cost of Long-Term Care. This expense needs to recognized and properly funded to ensure a secure and comfortable care later in life.

Annuities (Death Benefit)
Annuities (Death Benefit)

Annuities are Contracts backed* by the offering company to provide specified death benefits to a spouse or loved one. They can be used to secure death benefit payouts in spite of investment market fluctuations. *All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.

Annuities (Income Benefit)
Annuities (Income Benefit)

Annuities are Contracts backed* by the offering company to provide specified income benefits. They can be used to secure retirement income needs in spite of investment market fluctuations. *All contract guarantees and payout rates are subject to the claims-paying ability and financial strength of the issuing insurance company.

Life Insurance (Estate Protection)
Life Insurance (Estate Protection)

Life Insurance can also be used to create an inheritance for loved ones while not committing a large amount of funds that may be needed elsewhere in your Financial Plan.

Life/Disability Insurance (Income Protection)
Life/Disability Insurance (Income Protection)

Financial Plans are usually based on the continuing ability to earn money over time. What if this is disrupted by a death or disability of one of the wage earners in the household?

Health Insurance (Medicare)
Health Insurance (Medicare)

Available at age 65, but there are some choices to make about which plans are desired.

Health Insurance
Health Insurance

Along with rent or mortgage expenses, usually the largest family expense for the household.

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