Insurance

 
 
doctor with life insurance form

Life Insurance

Protecting you and your family from risk is why insurance exists. It is a crucial element of a sound financial plan. We can help you determine the right amount and the appropriate type of coverage—term, whole life, variable life, universal life, or variable universal life—that fits your needs and your budget. Remember group life insurance through work is often not enough coverage. Working with an independent broker-dealer means we do not sell Commonwealth® products. Instead, we have access to thousands of insurance companies to find a policy that best suits your needs at the best price. Initial meetings and life insurance quotes are always complimentary.

Do you need life insurance? Answer “yes” to any of these questions and it’s likely you do:

  1. Do you have debt such as home, a business, or a car?

  2. Do you have children?

  3. Are you a business owner?

  4. Do you want to provide an inheritance for your heirs?

 
parents walking in a garden with their child

Disability Insurance

Do you or your family rely on your income each month? What would you do if that income disappeared and you lost your ability to work due to illness or an accident? How will you achieve your financial goals developed in your financial plan if you cannot work?

Disability insurance can help protect your family from tragedy. Often group disability insurance offered through your employer is not enough coverage or for enough time. We have access to thousands of insurance companies and can provide you with options that best suit your needs and your budget.

As independent financial advisors we do not have products specific to our broker-dealer to sell. Instead provide you with insurance options that best suit your needs. We’ll explain often confusing disability insurance riders such as true-own-occupancy, COLA, guaranteed renewable, future increase option (FIO), and automatic benefit enhancement (ABE), to name a few.

Protect yourself and your family’s income by receiving free quotes today.

 
elderly person using a walker at the hospital

Long-Term Care Insurance

A few years of assisted living, nursing home care, or even a part-time in-home aide can substantially disrupt a client’s financial plan and portfolio. The cost of health care is rising but yet over 8 million Americans haven’t considered long-term care insurance. It is estimated that 70-percent of people currently over the age of 65 will need some sort of long-term care. Are you prepared for this cost?

Long-term care insurance allows you to take the process of aging into your own hands. Long-term care insurance can allow you to remain in your home even as life changes for you. You do not have to be a burden on your children and grandchildren and your “golden years” can remain golden.

Often people are intimidated by long-term care because of cost and health ailments but the long-term care industry has changed with many more viable options. Book your free consultation with our advisors today to understand your options.

 

Fixed insurance products and services offered through CES Insurance Agency.