2798 Heritage Oaks Circle,
To properly plan life insurance three pieces of information are required: How Long? How much Death Benefit is needed? How much do you have to spend?
The answer is only as good as the input in either method.
A large percentage of Americans could not last a month in their current lifestyle if the key income earner was not able to work. Disability Income Insurance replaces income lost due to accident or illness.
Cost is based on age, health, occupation, elimination period, benefit period and benefit amount. There are policies that cover business overhead expenses, buy-sell provisions, student loans and retirement plan contributions.
In addition to Life and Disability Insurance for individuals, these policies can be structured to accommodate Buy-Sell Agreements, Business Exit Planning and Group or Executive Benefits.
At Community Risk Advisors, we know that the planning for death or disability can be uncomfortable. Our knowledgeable and caring team of advisors are here to make sure planning for your family’s uncomfortable times is a positive experience. Knowing that we will do everything possible to see that you and your family have the best coverage to meet your individual needs both now and for the future.