Life, Disability & Financial Services

When was the last time you reviewed your Life, Disability and or Financial Insurance programs?
With access to all of America’s top life insurance companies, Oceanside Insurance & TR Benfit Solutions can provide you with a host of term and permanent coverage options tailored to your individual needs. Give us a call or complete the basic information requested below and we’ll be glad to provide you with this information at your convenience.
Life insurance is arguably the most important coverage you can secure for your family’s financial future, and rates have never been lower than they are right now. Do you have a permanent policy? How has your policy performed relative to the way it was originally proposed? Rates of return on fixed policies have lagged those projected only a few years ago, therefore, many permanent policies have the potential to lapse just when they may be needed most. Although we seldom recommend replacing any permanent life insurance policy, the sooner you become aware of potential problems the more options you have at your disposal to be proactive and prevent your policy from lapsing. We highly recommend that you request a review of your existing policies at least once every three years to make sure that the contracts are performing properly. There is absolutely no charge or obligation for this complimentary evaluation.
Life Insurance
Who will take care of your family and obligations when you die? Where will your funeral expense money come from? Who will make up for your contributions to a church or charity when they stop due to your death? How will your key employee be able to buy your business from your family without financial hardship? Life insurance is the answer to these and many other financial issues. It is still one of the best bargains in insurance. We have a wide variety of companies to choose from. If you have had health problems that may cause your qualification for insurance to be more difficult, we have the markets and experience to get you the best offer. Don’t believe that answering a questionnaire on the Internet will yield the lowest rate. The fact is, there is still no substitute for discussion by an experienced agent with you and the insurance company underwriter. We can help you decide on the right type of life insurance policy and make important financial plans for your situation.
Disability Income
If you owned the goose that laid the golden egg, would you insure the goose or the eggs? YOU are that goose bringing home that paycheck. You insure your home, auto, collectibles, boat, but not your paycheck. Where will your money come from if you can’t work due to an illness or accident?
Disability income is one of the most important coverages for you and your family. We will give you the money to keep the house going, pay the bills, put food on the table, and allow you the time to get well without the burden of going back to work too soon. Statistics show that people with disability income insurance recover from illness and accident faster, because we give them the time that they need.
Long Term Care Insurance
You already protect yourself from the risk of an auto accident or damage to your home. And you may even protect your family from the risk that you die prematurely or suffer a disability. But do you have a plan in place to protect you and your family from the most likely occurrence of all: the risk of needing long-term care?
Maybe you’ve had a personal experience with caring for a loved one. Or perhaps a financial advisor has recommended at one point or another that you look into protection for long-term care. Long-term care insurance helps pay for the cost of home care, assisted living, or even a nursing home if necessary. It can lift the burden from your family, as well as protect your retirement portfolio.
The cost of long-term care is considered to be one of the most crucial financial issues facing Americans today. A long-term care plan is a powerful alternative to paying for the high cost of care from your savings, and can also help you remain in your home with dignity and independence.
We can help you evaluate if this important coverage is right for you.
Long-Term Care Insurance Plans for Business
If you own or run a small business, it may make sense to investigate offering long-term care insurance as a benefit to your key employees. Long-term care continues to be one of the most expensive issues for American businesses in lost productivity or lost wages for employees. Small business owners know that it is crucial to provide competitive benefit packages and executive perks. Offering long-term care insurance is one of the best new ways to retain key employees, remain competitive, and reap potential tax advantages.
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