Home Strategies Protect your income
Protect your income and independence
Your ability to earn, and your independence later in life, are the assets every other part of your plan depends on.
The challenge
A serious illness or injury often arrives during the highest-earning years, and government programs pay modest benefits that can be hard to qualify for. Later in life, the cost of help with daily living can run far beyond what most families expect, and health coverage does not pay for it.
The strategy
Put a dedicated source of money behind the two risks that can unravel a plan fastest: losing your income, and needing long-term care. Your savings keep working, and your family keeps its choices.
How it works
Disability income coverage replaces part of your income if you cannot work. Business owners and executives can add individual coverage on top of a group plan, often with simplified underwriting.
Long-term care protection, including hybrid policies that combine care benefits with a death benefit, pays for help at home or in a facility so you are not forced to spend down your assets first.
Start with what you already have
Many people have more coverage than they realize through work, and less than they need. We look at both and show you exactly where the gaps are.
Talk it through with Mark
A complimentary, private strategy session with Mark or a licensed member of his team. No obligation.