Insurance & Annuities

Protection is a key part of any successful financial plan.

Whether you're safeguarding what matters most or protecting those who depend on you, managing risk is essential. You can choose to assume it, avoid it, minimize it—or insure it. We’re here to help you evaluate your options.

If insurance is the right solution, we’ll guide you in selecting the right policy. Through our partnership with Ash Brokerage, we offer access to a broad network of highly-rated, competitively priced insurance providers. We specialize in life insurance, long-term care, disability coverage, and annuities. Explore the sections below to learn more.

Ash Brokerage

Insurance and retirement solutions can get complicated, which is why we have a strategic partner we trust. Just like us, Ash Brokerage puts people first. With Ash's help, families get the financial stability they need in the wake of tragedy. Businesses keep the doors open after the loss of an owner. Children keep visiting their aging parents out of compassion, not the necessity to provide care. Every day, we work together to make those results more common. When we need a product solution, Ash leverages its relationship with more than 80 highly-rated insurance carriers to find the best fit. And they do it with integrity, based on what's right for you. Whatever the question, whatever the need. —Ash Answers.

Life Insurance

When planning for the future, many people focus on saving for retirement or putting aside money for large goals like college tuition and debt payments. But do you have a contingency plan if something happens to you or your partner? When you survey your financial condition, reviewing life insurance should be an integral part. There are many different types of insurance to choose from and deciding what kind and how much insurance to get can be overwhelming. We are here to help you wade through the many different factors that must be considered when making these important decisions.

Life insurance can be focused on many goals including the traditional ones that provide support for your family including income replacement and funds to pay off outstanding debt, college expenses, and/or funeral costs. Above and beyond those traditional goals, insurance can also be used for its ability to maintain a cash value that grows as an investment, supports business succession planning buy/sell agreements, and have the ability to provide flexibility as your goals in life change.

Explore the Genworth's Cost of Care Survey to see what long-term care related services cost.

Genworth Cost of Care Survey

Long Term Care

Long-term care is personal and increasingly essential.

Many of our clients have seen firsthand how long-term care can support their loved ones. They've also seen the financial strain that comes without insurance. Yet, traditional long-term care insurance has long raised concerns: rising premiums and the possibility of paying for a benefit you may never use.

Fortunately, today’s long-term care solutions have evolved. Modern “hybrid” policies offer greater flexibility and value. They often combine long-term care benefits with life insurance, providing a death benefit if care is never needed. Some also offer the option to pay a one-time lump sum or lock in a fixed premium, eliminating future cost uncertainty.

Long-term care isn’t limited to nursing homes. It includes a broad range of services—home health care, adult day care, assisted living, hospice care, caregiver training, and more. It’s typically needed when someone can no longer perform two of the six Activities of Daily Living (ADLs): eating, bathing, dressing, transferring, toileting, or continence. It’s also common in cases of cognitive decline, such as dementia or Alzheimer’s.

Medicare and Medicaid don't cover the full cost of long-term care, and they shouldn't be relied on as a primary solution. Let us help you explore your options and find the right coverage for your needs.

Disability Insurance

What would happen if you became sick or injured and couldn’t work? While many employers offer short- or long-term disability insurance, these benefits may not fully cover your monthly expenses.

If you have significant fixed costs, it’s important to ensure you have enough disability insurance (DI) to protect your income. DI can help replace lost income if you’re unable to perform the duties of your current job—whatever they may be.

We’ll help you review your existing coverage and determine if it meets your needs. If there’s a gap, we can assist in finding a supplemental policy to ensure you’re fully protected.

Annuities

Annuities can be a valuable part of a retirement plan—but they’re not right for everyone. With so many types and features, no two annuities are exactly alike.

Whether you’re exploring annuities for the first time or want a second opinion on one you already own, we’re here to help you understand your options and make informed decisions.

Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Guarantees are based on the claims-paying ability of the issuer. Withdrawals made prior to age 59½ are subject to a 10- percent IRS penalty tax, and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available subaccount portfolios will fluctuate, so the value of an investor’s unit, when redeemed, may be worth more or less than the original value. Optional features available may involve additional fees.