Insurance Solutions
No one likes to pay for insurance, but it's comforting to know that you're protected if you ever need it. A trusted, experienced and qualified insurance professional can review your current policies and help you to make adjustments if needed, possibly saving you thousands of dollars over the lifetime of your policies. Some areas that we specialize in are:
Life Insurance
Life insurance is probably the most overlooked financial tool a family can have. Imagine if you woke up tomorrow and your spouse was no longer there. How would your life change? Could you still pay your bills and support your family on only one income? Most families could not, and unfortunately employer-provided life insurance is minimal at best--usually between $10,000 and $50,000 worth of coverage.
Owning a personal life insurance policy is the best way to ensure that your family is completely protected should something happen to one or both of you. With personal insurance, YOU control every aspect of the policy, and can create a customized program that provides the coverage your family needs. Remember, life insurance isn't for the people who die--it's for the people who live.
The majority of financial experts and authorities agree that term insurance is the absolute best way to cover this temporary need. Yes, you heard it correctly--life insurance was not meant to be held for your whole life. You only need insurance if your loved ones would be financially harmed if you were to pass away prematurely. With the help of a competent planner, your life insurance program will most certainly be accompanied by a strategic investment program, so that as your investments grow, your need for insurance decreases. This concept is called the "Theory of Decreasing Responsibility," and is taught by many financial planners.
See what experts Like Dave Ramsey and Suze Orman have to say about term insurance:
Term insurance rates are at their lowest in more than a decade. A 35 year-old non-smoking male could obtain $500,000 of coverage guaranteed for 20 years for as little as $35 a month. Your adviser can run a custom quote for you at no cost, and you can even obtain conditional coverage the very same day--even throughout the underwriting process.
Long-Term Care Insurance
According to the American Association of Homes and Services for the Aging, the average annual cost for a private room in a nursing home is $77,745. The average annual cost for an assisted living facility is $35,628. To move into a community, seniors can pay fees ranging from $60,000 to $120,000. Long-term care insurance can foot most of, if not all of the bill for these costs. If you are nearing your 50's, long-term care insurance may be something that you want to discuss with your adviser, especially if you are still in good health and can qualify for low premiums.
Auto and Homeowner's Insurance
We've partnered with Answer Financial, one of the nation's largest referral companies to provide our clients with another way to save money every month. Answer Financial provides:
- Competitive rate quotes in 10 minutes or less
- The average annual savings on auto insurance is $300-$500
- Top‑rated insurance providers help you get the best coverage for your money
- Most clients will qualify for coverage
Try it for yourself! Here's what you need for a free quote:
Auto Insurance Quotes
- All drivers’ Social Security numbers
- All Vehicle Identification Numbers (VINs)
- Drivers Licenses for each insured driver
- Declarations page of your existing policy
Homeowner’s Insurance Quotes
- The year your home was built
- Square footage of your home
- Type of security devices in your home
- Declarations page of your existing policy
Simply call 877-855-8111 during hours of operation (M-F, 8am to midnight EST; Saturday 9am to 8pm EST)
Give your PIN# BWXX9 and your rep's last name AGUIAR