Risk Management Services
As wealth advisors, we strive to mitigate your financial risks of a premature death or a disabling medical condition to a loved one or family member.
Life Insurance
When someone passes away it leaves a void in our lives. Life insurance may help to fill the financial void by providing tax free dollars to a designated beneficiary upon a person’s death. Life insurance comes in two basic forms, temporary or permanent.
Disability Insurance
Disability income insurance protects your most valuable asset, your ability to earn a living, by replacing a primary income earners wages when they are unable to work due to a significant illness or injury.
Long Term Care Insurance
Long term care provides a specified dollar reimbursement per day for medical conditions requiring assistance either in your home or an accredited nursing home facility. Some people may require daily medical attention, while others may simply need help with the basic activities of daily living. Coverage may have limitations and restrictions and may not be available in all states.
Experts agree that your insurance plans should be reviewed by a professional every 3-5 years or when you have a life-changing event including: a new job, birth of a child, marriage, divorce or retirement. Through our partnership with Highland Capital Brokerage, we have access to specialized underwriters and over 50 companies committed finding the best products and prices for a variety of situations. Contact Risk Management Director Rick Thomas or Gina Winzinger to discuss your needs.
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