Personal Financial Services


Most people look forward to the day they can retire. No more daily grind. No more meetings. No more stress. But what about the uncertainties of a bad market? You’ve probably put some money away for retirement—but what about making sure that money lasts?
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Disability Insurance

You get hurt and can’t work. Now what? Are your monthly bills and expenses covered? Disability insurance could be the answer.

What It Covers Here’s how disability insurance works. Simply put, it provides you with up to 60% of your regular income if you can’t work because you’re ill or injured. You can use that money to pay your bills or hire help to do things that you can’t because you’re hurt. Things like the yard work or cleaning up around the house. Missing a couple paychecks can put stress on your budget. Let alone going for months. You can pick policies that cover you for 6 months, 12 months, or 24 months.
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Universal Life Insurance

There are two big ways that permanent life insurance is different from term life insurance. First, the policy is meant to last the rest of your life (as long as you make the required premium payments, of course). Second, part of the money you pay into your permanent life insurance policy is set aside in an account where it can grow cash value that you can tap into later on. There are several types of permanent life insurance, each with different advantages.
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Whole Life Insurance

Whole Life Insurance is permanent life insurance protection that helps protect your family or business no matter what lies ahead, from the day you purchase the policy until you die, as long as you pay the premiums when due.
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Mortgage Protection

If you are a homeowner, you will want to be aware of a new law that establishes rights for homeowners and rules for lenders regarding private mortgage insurance (PMI) cancellation. With this knowledge, you may eliminate premiums you may be paying unnecessarily.
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Joint Life

If you are married and are looking for life insurance that is affordable and offers great benefits, you may want to consider getting joint life insurance coverage. With this plan, you won’t be faced with doubled premiums or term benefits that only last for a certain amount of years. With joint life insurance, also known as Survivorship, you will receive one policy that will take care of whoever is left behind. This policy is ideal for spouses who have children, a mortgage and/or other bills that need to be paid.
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Term Life

Term life insurance is usually less expensive because it only covers a set amount of time-such as 10, 20, or 30 years. You choose the amount of time and the amount your policy is worth. Then, your beneficiary receives a lump-sum payment from your policy if you die before that term is over.

You can usually convert your term life insurance policy to a permanent life insurance policy without having to get another medical checkup.

If you live longer than the term life insurance policy you chose, you have the option to continue coverage for an annual, renewable premium. This premium is usually a lot higher, and it increases every year. (Most people simply let their term life insurance policy expire at the end of the term period.)
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