1 in every 4 of today’s 20 year-old will become disabled before they retire, that’s 25% of today’s young adults! Disability Income insurance will pay for a lost income during a time of illness or injury. It can help you meet expenses and maintain your standard of living.
Long-term disability income insurance is designed to pay you benefits for a longer period of time, up to a lifetime.
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Short-term disability income insurance is designed to pay you benefits sooner and for a shorter period of time.
This is a strategy used to provide a pot of money to cover the amount of a mortgage should the main income earner pass away suddenly.
Help protect your child’s future by providing for your child’s educational goals. Accumulated cash values in life insurance policies can be used to help pay for college expenses such as tuition, textbooks, room and board, and more.
Instead of purchasing one long term policy you are staggering the protection needs to get the overall lowest cost possible.
According to the National Organization on Disability, nearly 54 million Americans cope with special needs and the associated rising expenses. To ensure the continuation of governmental benefits and a successful estate plan, a Special Needs Trust can hold assets that can improve the quality of life and protect your loved one’s financial future by providing extra income for care, assistance and education beyond governmental coverage.
Individuals with “special needs” fall into a wide spectrum of people with physical, mental and emotional disabilities. To help ensure that the adult living environment meets their necessary and unique needs while allowing them to establish and maintain a degree of independence, special educational support and financial help is essential. Therefore a strong long-term financial strategy can provide for your child when you’re no longer able to.
WinFlex is a Financial Tool available ONLY to registered agents for use. With this software you can quickly provide your clients with an illustration for EIUL, GUL, UL, WL, Term, SUL, and more.