Sometimes the small things matter the most.
If it's important to you, we have a way to protect it.
Extended Care
7 out of 10 people over the age of 65 will need some sort of extended care in their lifetime, and it is the number one reason people go broke after age 65. Short term and long term care insurance plans pay daily amounts for everything from nursing homes to scheduled rides to the doctors office. Some plans even offer at home convalescent care, allowing you to stay in your own home while still receiving the help you need.
With average monthly cost of $8,000 to 10,000 for assisted living care, and Medicare not covering anything, it is important to have a realistic conversation about how you will navigate these problems.
Disability Insurance
Disability insurance works to protect your income and compensates you if you are unable to work due to a disability. Some policies also offer protection if you are able to go back to work, but need to find a different career path due to a disability, resulting in a lower income.
Critical Illness & Accidental
Accidents will happen. Accidental insurance and critical illness insurance both work to ease the financial suffering caused when they do. Plans can be tailored to include coverage from cut fingers to heart attack and stroke, offering lump sum payouts of money that you can use where you feel it is needed most.
Hospital Insurance
Hospital insurance works to make sure that when the bad things do happen, you don’t go broke trying to reach your health insurance deductibles & copayments. These plans pay a lump sum when you get admitted to the hospital and will continue to pay a daily amount if your stay is prolonged.