Life, Disability & Long Term Care

What is life insurance?

Life insurance is a contract binding a life insurance company to compensate a beneficiary for the death of a person insured.
You know that you need it, but with the wide variety of policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, once you understand the basic types of life insurance policies:


To quickly estimate how much you need:

 

 

What is Disability Insurance?

How would you support yourself and your family if you became ill or were injured for a long period of time? 

Disability insurance gives you monthly income should illness or injury prevents you from working. Besides covering the daily cost of living, it helps you handle medical costs, including equipment or alterations to your car or home that an injury requires.

Quickly estimate how much disability income protection you might need:
 

What is Long Term Care Insurance?

People today are living longer. Although that's good news, the odds of requiring some sort of long-term care increase as you get older. And as the costs of home care, nursing homes and assisted living to escalate, you probably wonder how you're ever going to be able to afford long-term care. One solution that is gaining in popularity is long-term care insurance (LTCI).

To quickly estimate your potential future long-term care (LTC) costs, the future value of your current savings, and the gap between these two amounts—your unprotected LTC need:

 

 

 

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