Insurance

Insurance is essential to any comprehensive financial independence 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 you can draw on to put towards goals like buying a house or retiring comfortably.

We have access to a variety of insurance products to 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.

 

Life Insurance

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In the event of death, life insurance offers surviving family members increased financial independence. 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 help with the needs identified in your financial security plan.

Life insurance can play a vital role in your financial independce plan - contact us today to find out how.

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices. 

 

Long-term Care and Disability Insurance

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Seek to protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Long-term care and disability insurance

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.

We 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. Contact us today to find out how.

Group Life Benefits

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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. Choose from an array of benefits like:

  • Extended health and dental care coverage, which includes options like prescription drugs, paramedical services, vision care, out-of-country medical coverage, basic dental work and orthodontics
  • Group life insurance
  • Group short- and long-term disability insurance
  • Employee assistance and wellness programs
  • Alternative group benefits, such as group auto insurance or flexible work arrangements
  • Group critical illness coverage, to help ensure your employees can survive a critical illness
  • Benefits plans tailored to specialized employee groups, such as foreign or part-time workers

Contact us today to learn more about benefits products and services that fit the needs of your business.

Erma Harbison is an Associated Person of LPL Financial.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

NOT NCUA Insured               |             Not CU Guaranteed                |                May Lose Value
 
MSDFCU and New Britain Financial Advisors are not registered broker-dealers nor are they affiliated with LPL Financial.
 
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered: CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, MI, MO, MT, NC, NJ, NY, OH, PA, RI, SC, TX, VA, & WA. Please note that not all of the investments and services mentioned are available in every state.
 
 

 

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