Taking the time now to understand just how valuable your income is, is the essential first step in identifying not only your current needs, but your long-term goals. You shouldn't wait for the unexpected to occur. Consider insurance now and it will help you prepare for unforeseen costs along with giving you something just as valuable - more confidence.
Life Insurance
We believe the insurance process should be as straightforward as possible, with helpful guidance along the way. Brian Konty offers that and more and is here to help you at every level. Life insurance protects the financial future of your loved ones and has benefits that you can use while still alive.
You can use life insurance to protect your loved ones, potentially reduce future taxes, diversify your portfolios, and protect the businesses you've worked so hard to build. Choosing the right life insurance policy starts with understanding your needs and knowing the differences between the types of policies available: term life, universal life, and variable life.
Disability Insurance
Disability insurance provides protection by replacing a portion of your income, usually between 50% and 70%, if you unexpectedly become disabled as a result of an injury or illness. This coverage can help give financial confidence by providing a safety net if paychecks are temporarily reduced or eliminated due to sickness or injury.
Disability happens to more people, more often than you may think as you’re more likely to become disabled than die during your working years.. A short-term policy helps you immediately after an incident, and a long-term policy helps provide financial protection for disabilities that can last for years.
Long-Term Care Insurance
Today, the costs of nursing homes and elderly care are continuing to rise. If you plan now, you can provide you and your family with the coverage you need to protect your assets and maintain financial security that you may need later in life. Long-term care insurance can protect your family from the high cost of long-term nursing home or home health care.
Most health insurance providers and Medicare won’t pay for the majority of long-term care services. Purchasing long-term care insurance is an essential part of your financial planning. The likelihood that a person will need long-term care is significant, and its costs can have a devastating impact on a family’s savings. Long-term care can be provided in a patient’s home, an assisted living facility or a nursing home.