Life & Disability
Be Ready For Life's Curveballs
No one wants to think about the worst-case scenario, but that’s exactly what life insurance and disability policies are for. They serve as safety nets for the unexpected or, in the case of life insurance, the inevitable. These policies help lessen the financial burden on you or your family and provide reliable protection from unforeseen difficulties that may arise in the wake of a disability or death. This can include anything from lost income to covering future expenses like childcare or loan payments.Â
Life Insurance
Provide your loved ones with financial peace of mind.
Disability Coverage
Living benefits for when you're injured and unable to work.
Life Insurance
Planning for what happens to your loved ones and assets after your death is one of the most proactive things we can do as individuals. But what is life insurance, and what does it do?
- Provides your family with financial protection.
- Pays a monetary benefit to your beneficiary in the event of your passing.
- Helps cover expenses like: funeral costs, income replacement, mortgage and other loan payments, and childcare and education costs.
- Offers living benefits that you can take advantage of for things like long-term care.
“We are really happy with the services provided by Stuart. He understood our needs, helped us navigate through various policy options, and patiently answered our questions. He was professional, responsive and made the entire process stress-free. We feel confident in our choices thanks to his expertise. We would recommend him to anyone needing reliable and knowledgeable help in finding the right life insurance coverage.”
Molly and Greg
Long Term & Short Term Disability Coverage
Unlike life insurance policies, disability coverage kicks in during life if you are injured and unable to work. Many adults do not have the savings or financial stability to weather the lost income from becoming disabled, short or long term, let alone continue to make payments on loans and monthly expenses. That’s where short and long term disability plans can come in handy, with some policies covering up to 70% of your income.Â
- Short Term Disability (STD) –Â As the name implies, short term disability is used for a short period of time following an illness or injury that keeps you from working. Most policies range for 3-6 months in coverage.
- Long Term Disability (LTD) – In the event you’re injured or fall ill for a longer period of time, long-term disability will help cover your income or expenses.
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