Disability and Life Insurance
Planning for your financial future is about peace-of-mind for you and your family. You need confidence in the financial strength of your insurance company, as well as its ability to be there when you need it.
For Disability and Life Insurance I work with companies who have the following fianancial ratings:
A.M. Best: A+(r) Superior
Standard & Poor's: AA Very Strong
Moody's: Aa2 Excellent
Why? Because disability and life insurance represents a long term financial relationship....one that you must count on, today, and for many years to come.
Disability Insurance
Are you going without disability insurance? If you are just getting started I can see you wanting to reinvest your money into your growing business. But once you are on solid financial footing, protecting your income is absolutely essential.
The Council For Disability Awareness is a great resource for disability insurance. After viewing their web site I would like to advise you on your specific disability needs and corresponding costs.
Life Insurance
If you are building your business, chances are, you will be best served with a term life insurance policy. Take the premium you save in a term policy and invest it in a solid retirement plan. It is pretty simple.
If you are looking to life insurance as an estate planning stategy, then we are talking about a much different approach. I collaborate with some of the most capable people in this business and have solved very complicated estate and succession challenges.
Working With Your Accountant or Lawyer
Depending on the complexity of your specific needs I am sometimes asked to work with a trusted advisor, whether it be your accountant or attorney. I am pleased to do so and have found this can help facilitate the process. I completely understand if you don't wish to delve into the minute details of a disability or life insurance policy. That is why you leave it to the experts!
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