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Mortgage Protection
Your house is most likely your greatest financial assets. Do you have it protected? Will your loved ones be able to take on the mortgage if you and your income didn’t come home one night? What if you were too sick to work due to a critical, chronic, terminal illness, or disability? Mortgage protection offers either full or partial pay off options. Giving your loved ones time to decide what they want to do. This lifts the financial burden off them so they can focus on grieving your loss as opposed to rushing back to work or heaven forbid picking up a second job.
Life Insurance
Are you in a high risk time of your life? Do you have young kids, a mortgage, debt? Term Life may be a good fit!
Looking for a policy that has living benefits and accrues cash value? A more permanent policy may be right for you!
Protect every milestone and memory. Gain financial protection and peace of mind with products like term life and permanent life insurance.
Smart Start
Choose a Smart Start program for the little ones in your life. By setting aside a small amount of money every month or quarter starting when your child is young, you can help them set aside cash for future needs while providing valuable insurance coverage.
A portion of your premium payment goes to pay the cost of life insurance coverage. The balance becomes part of the policy's cash value, which accumulates and grows tax-free.
Final Expense
Most of us will eventually need to pay for final expense insurance. If you don't have extra funds set aside in savings just for final expenses, your loved ones may struggle with coming up with the money needed to give you the service and burial they want after you have passed.
Leaving behind large debts can be crippling to family members. Final expense insurance enables families to properly grieve their loved ones without the burden of unplanned costs. Thankfully, final expense insurance is an affordable whole life insurance plan that offers a solution to these problems
Disability
Like any insurance policy, you will need to apply for coverage and make regular premium payments to keep your policy in force. Disability income insurance can be purchased as a stand-alone policy, or as an added endorsement on your life insurance policy.
In the event you were to become disabled, your policy would specify how long the "elimination period" would be before benefits begin. After that elimination period, if you were still disabled and unable to work, the policy would pay you the benefit amount specified in the policy, for the length of time specified in the policy.
Your monthly disability income insurance payments during periods of disability are designed to provide you with some supplemental income during the period you are unable to work. This can help you continue paying your mortgage and other bills.
Long-Term Care
Most of us know someone who has received LTC and know how expensive it can be. Know the costs: (source is https://www.whatcarecosts.com/Lincoln) Regardless of the cause or type of assistance needed, LTC can have a big impact on your family. Sadly, fewer than 1/3 of Americans age 50+ have begun saving for LTC. Medicare typically offers short-term or limited coverage for medically necessary nursing facilities or home healthcare. It does not cover ongoing care or help with personal care. Medicaid is a gov’t program that can help pay for nursing home and healthcare services for individuals with very limited means. Not all nursing homes accept Medicaid, which can limit choices for individuals. 4 LTC Insurance can help you cover the costs of LTC, relieving your loved ones of any burden.
Debt & Retirement
You’ve worked your entire life, how are you saving for your retirement? Our specialists can help you set up a policy that not only protects your family if you were to pass away, but also generates mass amounts of cash value that will continue to grow for the rest of your life! Use it whenever you’re ready, 100% tax free. Choose from a range of annuity and IUL products to enjoy the retirement of your dreams. Take control of your financial future, eliminate debt, and save for retirement with our Debt Free Life solution!
Critical Illness
None of us knows if or when we will contract cancer, have a heart attack or stroke, or be diagnosed with another critical illness. When a critical illness strikes, the financial consequences can be just as catastrophic as the health ramifications in their own way. Critical illness insurance is designed to help alleviate the financial strain that comes with critical illnesses. The lump sum benefit paid out under a critical illness insurance policy can be used to pay your medical bills, mortgage and other expenses.