Life insurance can give you peace of mind knowing your family will be protected financially when you are no longer here to provide for them. There are different types of Life Insurance - the type of policy and limits you will need will depend on your financial goals, whether they include paying off a mortgage, covering future education expenses, keeping a business running, or leaving a legacy for future generations.
Navigating the different types of Life Insurance policies and options can be overwhelming, but an Emmanuel Insurance expert is here to help. From Term and Whole Life Insurance, to Universal, Variable, and others, our insurance specialists will take the time to explain the benefits of each in relation to your goals so you are able to make an informed decision and choose the policy that is right for you.
Download our helpful guide to Life Insurance
Many of us may find our assets are at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability, or as we age. These types of costs are not covered by traditional health policies or Medicare, and for some, Long-Term Care Insurance may be the best option to help pay for these types of expenses. LTC insurance provides peace of mind in knowing that certain costs will be covered in the event you need this kind of assistance.
You may not qualify for Long-Term Care Insurance as you age and your health changes, so it is best to consider purchasing it while you are still healthy. Our insurance specialists will take the time to answer any questions you may have about Long-Term Care Insurance, including what factors should be taken into consideration when deciding on a policy.
Download our helpful guide to Long-Term Care Insurance
Disability Income Insurance provides financial protection should you experience an illness or injury that results in a loss of income. Although it may seem unlikely, an unanticipated disability can impact anyone at some point in their life. According to the Social Security Administration, "a 20-year-old today has a one in four chance of becoming disabled prior to retirement."
If you are self-employed or do not have coverage elsewhere, individual disability insurance is important coverage to consider. If you are employed and have a group disability policy, you may increase your coverage to add extra protection for a greater percentage of your income with supplemental disability insurance. If you own a business, there are other specialty coverages that may be right for you. Disability Insurance policies 'stay with you' should you change jobs or careers, so the best time to consider this type of insurance is now.
Download our helpful guide to Disability Insurance
Whether you are interested in Life Insurance, Long-Term Care Insurance, or Disability Income Insurance, we can help you plan and prepare for the unexpected. As an independent insurance agency, Emmanuel Insurance represents several top-rated insurance companies which allows us to find coverage that fits your needs and budget. Don't wait - contact us today for a free review and quote.
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