Life/LTC Insurance
Life and long-term care (LTC) insurance are important components of a holistic financial plan. We work with clients to evaluate policies that align with personal goals, family needs, and long-term protection priorities. Life insurance can help provide financial support to loved ones in the event of unexpected loss, covering obligations such as income replacement, debt, and estate planning objectives. Long-term care insurance may help offset the costs of services such as home care, assisted living, or nursing facilities, offering additional flexibility when planning for extended healthcare needs.
We assist in evaluating available coverage options and coordinating with licensed insurance professionals to help identify policies that match your circumstances. Our approach is focused on helping you make informed choices about coverage, benefits, and potential costs.
Long-term care insurance products may not be suitable for all investors. These policies often include exclusions and limitations, and their availability and pricing depend on factors such as age, health, and policy type.
Early withdrawals may incur surrender charges and, if taken before age 59½, may also be subject to a 10% federal tax penalty in addition to taxation of gains as ordinary income.
Life insurance policies may include mortality and expense charges. Surrendering a policy early can result in charges and potential tax implications.
Guarantees are subject to the claims-paying ability of the issuing insurance company. Please consult a licensed insurance professional before purchasing or making changes to any insurance policy.
