types of protection

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Temporary (Term) Life Insurance or 

Permanent Life Insurance.

It’s your choice.

One type of policy only pays a death benefit for a certain number of years if you pass away during that time period– the other type of policy pays no matter when you die.

TERM vs. WHOLE LIFE.

 If you become ill or are injured and can no longer show up to work at your job, what happens to your weekly paycheck?

Your bills still need to be paid.
 

Disability Insurance is the answer. 

Insurance companies offer tax-deferred contracts which allow folks to save for retirement down the road.

Fixed annuities can be used as a vehicle to save after-tax money or pre-tax money such as an IRA or 401K rollover.

Annuities can also guarantee a stream of income in the future which can provide you income for as long as you live.
 

Most folks receive their health insurance coverage at work. Then there are the self-employed who have to buy this protection on their own.

Health Insurance pays most of your medical bills and hospital costs so that you do not deplete your savings and retirement funds.

At age 65, you are required to sign up for Medicare which will become your health insurance.

A Medicare Supplement or Medigap Policy can fill in the gaps where Medicare leaves you a deductible to pay.

Most seniors are on a fixed income so a Medicare Supplement can help prevent an unexpected bill from your doctor or hospital.

 If you do not purchase
this coverage,
you will face a rude awakening
as you age.
 

ALL of these expenses for your care will need to be paid by you using your savings unless you are impoverished.
_______________________
 

For most folks, this means spending thousands and thousands of dollars for this care.
_______________________
 

PLEASE LOOK INTO
LONG-TERM CARE INSURANCE
TODAY!
 

BEFORE IT'S TOO LATE TO QUALIFY FOR A POLICY!