Are you protected? Is your coverage what you think it is?
I will do a financial needs analysis with each and every client. This is a method of gathering financial information to ensure that you have the proper amount of coverages and protection for your individual family’s needs.
- Health Care Plans
- Disability Coverage
- Group Benefits
- Travel Insurance
- Business Insurances
Why use a broker?
I will provide you independent expert advice on your financial options. I am not tied to a specific lender or products so I can offer you insurance products that will best match your specific needs.
I will help you with your insurance applications. I will follow up with insurance carriers to make sure they have all the documents and information they need to make adjudication analysis.
Insurance can be confusing and difficult, which is why people shy away from it. Let me be your guide and help you make the right decisions for you and your family. With an FNA, we will discover what you need, so we have you covered sensibly, reasonably and cost effective, as we base it solely on what you need.
Types of Insurance
There are 9 basic types of personal insurance, and each serves a different purpose.
Life insurance is a form of insurance in which a person makes regular payments to an insurance company, in return for a sum of money to be paid to them after a period of time, or to their family if they die.
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability.
Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.
Term Insurance – Coverage / Protection for Debt – Don’t leave your significant other riddled with debt and raising children. Without your income, what will your family do?
What happens if your diagnosed with an illness and you cannot work while on your road to recovery? Critical Illness is the protection you need. Opt for Return Of Premium (ROP) on your policy, and get premiums returned to you if you don’t use the policy! Have the years of comfort of knowing you have critical illness protection, and also opt to have your premiums back!
Long term care insurance can provide coverage if you become unable to care for yourself and need assistance to manage daily living activities.
Health insurance typically covers preventive health services to keep you healthy and screen for potential health issues that could cause problems later on. Health insurance typically covers other essential health benefits like emergency services, prescription drugs and maternity care.
Life insurance protection while building cash value – Always have life protection, while building significant long term cash value with tax free use!
Perhaps you no longer require many coverages at this stage of your life, but still need that small amount for final expenses or leaving small inheritance. Then a small permanent policy may be all you need!