Individual & Group
Medical professionals see first hand the realities of disability, illness and death. While premature death or disability often tops the list of risks for business partnerships and family legacy planning, statistics tell us that there is more we should be concerned with. Of those in their 20’s, it is estimated that 30% will become disabled before the reach their 67th birthday. Additionally, we know that between a husband and wife, there’s a 50% chance that one of them will incur a long term care event.
A life and disability insurance portfolio should focus on both Asset Protection and Income Protection.
While life and long term care insurances coordinate to protect the wealth you have built over time, it is disability insurance that provides a replacement for lost income. Any well coordinated insurance portfolio requires all three. The question most clients have is not whether they need insurance – they know they do. The question is how to most efficiently and effectively coordinate these coverages, specifically in an environment of increasing complexities and options being offered with these policies.
Let us help you.