Long-term care insurance helps to ensure that people can afford long-term care if they need it.
This type of policy can cover assistance with home health care, assisted living, skilled nursing, or other services like adult day care and care coordination.

A disability can strike at any age in any profession. For many people the loss of a paycheck can spell disaster for their family. Disability Insurance (DI) is “income protection” insurance.

Short-term care insurance – sometimes called “recovery care” – usually provides benefits for a maximum of 12 months or less. These types of policies can be less expensive than traditional long-term care insurance, and the medical qualifications required for enrollment can be slightly easier.

Offering Critical Illness to your clients’ portfolio can lessen the burden at one of the worst times in their lives. A diagnosis of cancer, cardiac or other critical Illnesses can change everything. Medical bills, loss of income, and necessary travel expenses for treatment can impact one’s finances greatly.