Benefits
Life/Health
Long Term Care & Annuities
With all of the challenges facing businesses and families today, no one has time to become an insurance expert.
Instead, you need an experienced team, who can analyze the various options open to you and suggest the best alternatives for your needs. Then you'll be in a knowledgable position to make the best decision.
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Health
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Life
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Disability
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Long Term Care
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Dental
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Fixed & Index Annuities
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Medicare Supplements
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Health
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HSA/HRA
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Dental
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Disability
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Life
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Vision
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Long Term Care
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Voluntary Plans
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Buy - Sell Insurance
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Key Man Insurance
Long Term Care Insurance is an insurance
product that provides monthly benefits to pay for care in the event the individual can no longer physically or mentally care for themselves for an extended period of time.
Life Insurance is the foundation of Financial Planning. It must be acquired when you don't need it, so you will have it when you do need it. If your family or business is dependent on your income, you need life insurance to protect them. Failure to plan for an unexpected death will spell disaster for those left behind.
The monthly benefit for the policy protects financial assets, and relieves family members of the enormous responsibility that can come from providing care to the elderly. There are many variations of this product that can address this type of risk. Two out of three people will require LTC needs at some point in their lives. It's
important to be prepared.
If you are looking to recruit and retain
good employees, having group insurance programs are essential. The success of any business depends on the caliber of it's people. In the competition for quality personnel, an employer with a good insurance program has a significant advantage over one that does not.
Every business owner and individual brings with them their own distinct set of characteristics and their insurance plan must be designed to incorporate their particular needs and concerns.
We offer a wide array of Medicare Supplements, Medicare Advantage and Prescription Plans to ensure that you are properly covered beyond Medicare Parts A & B.
Neil Schwartz
CLU, ChFC