Life Insurance
Life Insurance can be an important part of estate planning and/or retirement funding. It offers peace of mind as it may provide equitable assets to assigned beneficiaries; providing funds to pay for expenses such as estate taxes and settlement costs without the delay and costs of probate.
Annuities
An annuity is an investment contract providing a liquidation of an account in the form of systematic payments. Annuity payments can be received over a specific number of years, in a lump sum or in guaranteed payments for the rest of your life. There are many kinds of annuities - some tailored for income, some for future growth, and some as savings vehicles depending on your income and investment needs. They play a very important role in retirement planning, enabling you to save money and taxes while providing a monthly income the rest of your life time.
Long-Term Care
Long-term care insurance helps provide for the cost of in-home and/or facility care. It covers care generally not covered by health insurance, Medicare, or Medicaid.
Final Expense/Burial Plans
A life insurance policy with a small face value (generally between $10,000 - $25,000). It provides funds to pay for funeral/burial expenses without delay.