Lots of questions. All the answers.

• Term: provides coverage for a certain number of years, the most common policy is for 30 years.
• Whole: provides coverage your whole life. After all, you gotta see those great-grandbabies graduate.
• Universal Life: provides a bit more flexibility to alter your premium, benefits and investment options as your needs change. And even within universal life insurance, you have options – guaranteed, indexed and variable.

It can get a little complicated. That’s where we come in. Schedule an appointment with us to discuss your needs and options.

• Traditional: you pay a yearly premium and when the time comes, you’ll have the funds you need to pay for long term care.
• Asset-based: if you have an unused asset you can use it as collateral to pay for your long term care need. If you end up not needing long term care, that money is still available for your family.
• Hybrid: life insurance with long-term care roped in. You pay an extra monthly or yearly premium to your life insurance policy and your long term needs will be covered.