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Life & Health Insurance

Life insurance comes in many “shapes and sizes”.. Not every plan is appropriate for everyone. Choosing the right plan for you is what we do best. Your financial needs are carefully reviewed.
Long Term Health Care A recent study in Best’s Review, Life and Health Edition, predicts that 40% of all persons over 65 will enter a nursing home in the future. Long term care (LTC) is a phrase which is used to describe a variety of services in the area of health, personal care and social needs of persons who are chronically ill or infirm. To minimize the possibility of “nest egg depletion”, you should consider long term health care insurance.
Term Insurance - provides death protection for a “term’ of one or more years. Death benefits are paid if you die within that time period. Term generally provides the largest immediate death benefit for the least amount of money.
     Most policies are “renewable” for one or more additional terms even if your condition has changed. However, premiums increase with each renewal due to an increase in age and therefore, it is often wise to “convert” term insurance to “whole life” insurance when ever possible.

Whole Life - Provides coverage for your entire lifetime as long as premiums are paid. The premiums remain level throughout the period  and therefore, over a long period of time, your out of pocket expenses can often be lower than the cost of term insurance.
     Because whole life policies can build up cash value, you have the opportunity to borrow against the cash value or to use the cash value to buy an additional amount of insurance as your needs increase.

Disability IncomeDisability Income insurance could be the smartest insurance coverage you could ever buy. It is natural to insure your home, your car, your boat and any other valuable possessions.…why not protect the income that provide all of these necessities and luxuries? Disability income insurance may be the most under utilized type of insurance of all. In case of disability, you need to continue your income to meet the needs of your family. We can tailor an affordable program to protect you from loss of income due to accident or sickness.

       
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411 CENTER STREET. PO BOX 1347 . LEWISTON, NY 14092