Life & Disability Insurance
If others depend on you for financial support, part of your financial plan should include how you will provide for them in the event of your death.
Purchasing a life insurance policy is a safety net that ensures your loved one’s future financial obligations are met, covering items such as funeral
costs, outstanding debt, estate taxes and everyday living expenses.
Life insurance is one of the simplest types of insurance contracts. However, selecting the right plan for you and your family can be complicated and one of
the most significant insurance purchases your family makes. Life insurance is not simply the amount of coverage you purchase, but it is also the type of
policy, the continuation options, the cash value features, as well as the living benefit options. Proper planning throughout the life cycle and having a
plan to address the changing needs is critical to the life insurance planning process.
Health Insurance is an essential insurance coverage for most people. Most Americans are provided or can purchase coverage through an employer group,
however the cost of employer based plans are ever increasing. With increased frequency, employees have been opting for personal protection vs. their
traditional employer based plan. At ASC&D we can assist you in evaluating these different insurance options.
In addition to employer based plans, there can often be a need for personal coverage for self-employed business owners, coverage for uninsured students, or
when a person is in between jobs.
Your most valuable asset is your ability to earn an income. According to the U.S. Census Bureau, nearly one in five Americans will become disabled for a
year or more before the age of 65. If you experience a serious illness or injury, how would you cope financially without a regular paycheck? Disability
Income Insurance is designed to complement health insurance. It provides financial peace of mind for you and your loved ones in the event that you are
sidelined by a serious illness or injury by protecting your future income potential.
Long Term Care Insurance
When it comes to your health, you don’t have a crystal ball to look into the future, but most Americans are living longer and healthier lives thanks to
advances in medicine and preventive care. While that is welcome news, it also means there is an increased risk of living with a chronic health condition
that will require extended care. With the average private-pay nursing home stay costing $75,000 a year, a Long-Term Care Insurance policy allows you to
offset the high cost of extended care due to accidents, illnesses or advanced age while protecting your personal assets.