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Let’s be honest. Insurance isn’t something most people want to think about. That’s why we do it for you, with a view of insurance that’s shaped by your desire to protect what counts to you. To us, insurance policies are not products, but tools for helping to mitigate risk in your financial life while providing you and your family with confidence for the future.
All of your meaningful life events should be cause for congratulations – not worries – and we’re here to help. We offer strategies using life, disability and long-term care insurance. They’re the strategies you need to protect your family, your property and your paycheck.
Congratulations! A new home is both a dream realized as well as a tremendous financial responsibility. How would the mortgage be paid if the primary breadwinner becomes disabled, or worse yet, dies prematurely? The good news is we have answers! Our insurance professionals can help you find ways that can help protect your paycheck and pay the monthly mortgage if you are disabled. Request a meeting with one of our advisors below to talk about your insurance needs.
Congratulations! As a new parent you have many responsibilities. Some of those responsibilities might keep you up at night, but we don’t want financial worries to be one of them! Many new parents realize that now is the right time to obtain some life insurance to ensure that the future for the ones you love remains bright and rosy. Take the first step today and request a meeting below to speak with one of our insurance experts.
When you are considering your need for life insurance it is important to look at the loved ones who financially depend on you. Whether you need to protect your children, your spouse or a loved one from the loss of your income, we are here to help you calculate that risk and make the proper plan to protect the people you care about. Our team is here to help you determine the potential financial risk to your family and to help you put the proper coverage into place. Request a meeting below to discuss your concerns with one of our local insurance advisors.
Finding efficient ways to pass wealth from one generation to the next is one of the things we are asked to do the most. Many people are concerned that due to rising taxes, ever increasing health care costs and global political uncertainty, their hard-earned nest egg might not be there to pass on to family and loved ones. We have a number of potential strategies to discuss that address this concern, simply and easily. Want to find out more? Learn more by requesting a meeting with one of our local advisors below.
Most people fail to realize what a dramatic impact a long-term disability can have on their lives. When you add up your expected income during your career it is often your largest asset. With so much at stake, it makes sense to find ways that could help protect that income. That's where we come in. Our insurance professionals can provide unique options that can assist you as you work toward protecting a good portion of your income in the event a sickness or accident means you can't work. Want to find out more? Request a meeting with one of our advisors below.
Most people are surprised to learn that the right kind of life insurance can be used to generate income during retirement. Properly structured, a life insurance policy can provide many years of tax-free income to the owner. A well-planned life insurance policy can self-complete prior to retirement in the event of a pre-retirement disability of the insured. Want to learn more about how to diversify your retirement oriented assets for more income and less taxes? Get in touch with us below to request a meeting with one of our informed insurance advisors.
Paying for long-term care expenses is one of the largest financial challenges facing senior adults today. We are here to help you navigate these waters. We understand Medicaid, Medicare and private insurance solutions. We understand the differences between states in Medicaid provisions. And for those who dwell in states that offer Partnership plans, we understand those plans, too. We can help you decide whether a Partnership plan makes sense, or if traditional long-term care insurance is a better fit for you. We also examine the new Hybrid plans for you. Begin the conversation with one of our experienced advisors by requesting a meeting below today.
Paying for long-term care expenses is one of the largest financial challenges facing seniors today. As you navigate through these waters we are here to help you understand Medicaid, Medicare and private insurance solutions. We can help you examine the different factors to weigh when considering whether self-insuring, hybrid long-term care, Partnership long-term care or traditional long-term care insurance would be a better choice for you. If you would like a customized analysis along with our recommendations, take the first step by requesting a meeting below.
As skilled insurance professionals, we provide a no-cost, no-obligation Insurance Policy Review for anyone who requests it, no matter what insurance company you have. Why do a review? Because things have a way of changing over time. What if your income has increased and you need more coverage? Or what if you lost weight, or you quit smoking? This might be the time to let your carrier know so you can get a discount. On the other hand, what if your family status has changed and you don't have the correct beneficiaries anymore? For these reasons and many more we highly recommend a periodic policy review.
Of course, understanding exactly what coverage makes sense for you is easier said than done. That’s why our team takes the time to understand your situation and answer your questions. Together, we’ll determine what types of insurance you truly need and how much of it makes sense. Plus, if you have existing policies and you’re not sure if they’re right for you, we’ll take a look at those too.
These comprehensive insurance policy reviews are offered at no cost to you. It’s our way of making sure that, when it comes to the things that count, you’re always covered.
Take the first step today toward ensuring you are sufficiently covered. Request an appointment with one of our local consultants by using the interactive form below.
Property and Casualty Insurance.
The licensed insurance representatives at our partner company, NBT Insurance Agency, can design a protection program that features a wide range of personal insurance products to provide you with peace of mind knowing that your family is protected.