Deciding how much and what type of insurance to buy depends on your specific needs and circumstances. All too often, people find they are under insured because they either did not purchase enough coverage from the start or did not properly adjust their coverage over time.
That’s why, even if you already own one or more insurance policies, it is important to regularly review your insurance holdings with your financial consultant. This no-cost, no-obligation service can help ensure that your coverage is adequate and appropriate for your needs. Your financial consultant can help you use insurance to secure your quality of life or that of a family member.
The power of choice, the value of advice
Your financial consultant has access to a wide variety of insurance carriers with industry-leading A.M. Best and Standard and Poor’s ratings. Your financial consultant also has the expertise to help sort through the options and recommend the solution that is most appropriate for your specific needs and goals.
Are you prepared to meet future healthcare costs?
Long-term care insurance pays for the care you may need if you are no longer able to care for yourself independently. There are flexible coverage and premium payment options that allow you to tailor the policy and payments to your specific situation. For an additional fee, today’s policies offer a variety of optional features that can even include a return of premium rider for unused premium dollars.
With people living longer and the cost of care on the rise, these policies offer the peace of mind of knowing you will be able to afford the care you need.
Have you considered the effects of losing your income?
Long-term disability is insurance designed to replace a percentage of your gross income on a tax-free basis should a disability prevent you from earning an income in your occupation. If you are the primary wage-earner, imagine for a minute what life would be like if that income were no longer there to support your household. With that image in mind, it should not be hard to envision the difference long-term disability could make in your ability to sustain your family’s quality of life.
To best serve you, Byron Financial Services has three offices that have full or part-time representatives.
The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KY, MI, MN, MO, NC, NV, NY, OR, SC, TX, UT, VA, VI, WA and WI.
Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Byron Bank deposits and are not FDIC insured. These products are not obligations of the Byron Bank and are not endorsed, recommended or guaranteed by Byron Bank or any government agency. The value of the investment may fluctuate, the return on investment is not guaranteed, and loss of principle is possible.
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