Insurance Planning
● Life Insurance● Term Life Insurance – Least expensive insurance to get the most death benefit for the premium paid but becomes very expensive after age 65.● Permanent Life Insurance – Accumulates tax advantaged cash value as well as provides a death benefit, a very versatile tool for estate and financial planning. * Whole Life Insurance * Universal Life Insurance * Variable Life Insurance * Variable Universal Life Insurance● Disability Insurance● Medicare Supplemental Insurance● Long Term Care Insurance * According to the congressional study of aging, a high cost of long- term care is the number one cause for impoverishment among retirees. Long term care insurance may provide protection from this risk.** Traditional Long Term Care Policies** Linked Benefit Long Term Care Policies