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  • Keeping Your Small Business in Business Through a Disability

    If you own a business, you know how it feels to live for that business. You also rely on it to support you and your family. So, what would happen if you suddenly became ill or injured and could no longer work? You need to think about the what-ifs. The fact is, your loved ones may not have the skills or desire to run the business, and your co-owners may not welcome the idea of an unintended partner. Also, imagine the scenario where it is one of your co-owners who becomes permanently disabled and you’re faced with those choices. That’s where a disability buy-sell plan comes in to play. This is an agreement among owners to buy out a co-owner’s share of the business in the event of a permanent disability. Here are four options for funding that agreement:
  • Disability Insurance Saves a Single Mom From Financial Ruin

    Valerie says that she is sharing her story so that others could learn from it: “Most people think, ‘It will never happen to me,’ but the truth is it can—and does. Everything else goes away if you don’t have disability insurance coverage and you can’t work.”
  • 4 Mistakes You’re Making When It Comes to Protecting Your Paycheck

    Figuring out if you need to protect your paycheck—really, your ability to earn an income—with disability insurance is pretty easy. If you have a job and you rely on your paycheck to meet your monthly bills and financial obligations, you need it. In essence, disability insurance is there if you suffer an injury or illness and can't work for an extended period of time. It will replace a portion of your income until you're able to return to work again. But most people who are working don’t have this basic protection for the long term, and often it’s because they assume they don’t need it. Here are four common mistakes people make when it comes to understanding disability insurance and its importance in protecting your ability to earn an income.
  • Are Your Financial Priorities Out of Wack?

    Since when does paying for a cell phone, a vacation or going shopping trump taking care of your loved ones long term? Here are some astonishing facts we found in our new 2015 Insurance Barometer Study, plus an easy and affordable “fix” called life insurance.

Top 10 Reasons You Need Life Insurance! You may find that life insurance is something you not only need, but truly want.

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How protected is your income?

Imagine if you suddenly lose your job due to an injury or illness ... 

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Do you really need long-term care insurance?

Like almost everyone, you see a future with years of well being ... 

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What can an annuity do for you?

A tax-deferred annuity is a long-term investment option ...

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Life

Life Insurance Calculator

Determine the amount of life insurance you need based on your current financial situation.
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Retirement Calculator

Are you saving enough?

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Disability Income Calculator

How much disability income insurance do you need?

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Long-Term Care Calculator

Determine your long-term care needs...

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What motivates you to insure your future?