Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents. The advantages of life insurance include:

• An instant estate for your loved ones at a time when funds are most needed
• Death benefits that are almost always non-taxable for named beneficiaries
• Avoid probate costs if you name a beneficiary other than your estate
• Potentially offer your loved ones creditor protection through some life insurance plans
• Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan. Life insurance can play a vital role in your financial security plan.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability. Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition. I can help you choose the long-term care and disability insurance products that provide advantages like:

• Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
• Assist with paying fixed expenses for your business if you become disabled
• Support the buy-out of a disabled partner’s share of a business

We can help you tailor your financial security plan so it protects your income through long-term care and disability insurance.

Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, we can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.

In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families. For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as premiums that are deductible as a business expense in some cases. Flexible plans offer employers and employees cost-effective, customized ways to address their needs.