Risk Management and Insurance

Your estate consists of property, money, an interest in a business, investments, and all other assets that you have managed to acquire. Preserving your estate means protecting yourself and your heirs from losing all that you have worked for. Insurance makes it unnecessary to set aside large amounts of money to pay for the financial consequences of the various risks in life. Protecting your loved ones with insurance is the perfect gift of life. Life is unpredictable, and while we all hope for the best, it's crucial to plan for the unexpected. Life insurance, disability and long-term care can provide a safety net for you and your loved ones during challenging times. 

Life can take unexpected turns, and a sudden disability can have a profound impact on our lives. When you have provided a safety net of financial support when you are unable to work with disability coverage due to illness or injury - you are safeguarding your dreams, aspirations, and the life you have built. It's about ensuring that you can continue to provide for you and your loved ones, even during challenging times.

These are a type of annuity that provides a guaranteed income stream for the lifetime of the annuitant. They are typically purchased with a lump sum payment and offer a fixed or variable income payout,depending on the terms of the annuity contract. The "living benefit" aspect of these annuities refers to the fact that the income payments begins immediately or at a certain time in the future to supplement retirement income sources. This can be beneficial for individuals who are looking for steady income stream in retirement or who need to supplement their current income. The income payments are typically guaranteed for the lifetime of the annuitant regardless of how long they live. This provides a level of financial certainity and can help individuals plan for their retirement years. These annuities may have certain limitations and restrictions, such as minimum age requirements or maximum income limits. Additionaly the income payments may be fixed or variable, depending on the terms of the annuity contract.