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Life, Disability & Long-Term Care Insurance

Life Insurance

Life insurance is primarily used to protect your family and assets. A variety of life insurance options are available, and each is designed to accomplish a specific outcome. The product, or mix of products, that best fit an individual’s needs is dependent upon numerous factors. We have several experts with the ability to assist you with this decision.

Disability Insurance

This type of insurance encompasses paid sick leave, and both short-term and long-term disability benefits. Statistically, in the United States, a disabling accident occurs on average once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and one out of every four persons in the workforce will suffer a disabling injury before retirement. Few people realize it, but the probability of becoming disabled during one’s working lifetime is considerably higher than the probability of death. Disability insurance provides a form of income replacement due to either illness or a disabling injury that inhibits a person from being able to perform daily tasks.

Long-Term Care Insurance

An estimated 60% of us who are 65 or older will need some form of long-term care at some point in our lives. Long-term care insurance is designed to assist people with chronic conditions, such as a physical disability or cognitive impairment. This type of insurance is not concerned with the treatment of a condition. Instead, it provides assistance with activities of daily living, enabling a person to continue living a life of independence. For example, there might be a time you need help dressing or bathing. You can receive this care in a variety of settings, such as an assisted living facility, or even in your own home.

Medicare does not provide for custodial care, and the skilled nursing facility benefit is limited.

According to Genworth’s Cost of Care Survey 2018, the average cost for assisted living facilities in Eugene is approximately $4,800 per month, and the average cost of nursing home care exceeds $110,000 annually. Home health care is also expensive, with home health aide services averaging $168 per day (over $61,000 annually). The impact of these costs on your financial assets can be dramatic.

A long-term care policy may offer considerable relief. Selecting the right insurance company, and the best benefit to meet your budget and needs, takes careful guidance. Our Life and Financial Services division offers clients the exceptional, personalized service intended to assist in creating and developing financial security. Our licensed and registered service representatives have access to numerous insurance markets and investment products, allowing them the ability to design a comprehensive program to protect our clients' lives and loved ones, and aid them in limiting investment risk.

Life and Financial Services Division

We assist our clients in fostering an environment of financial security, embracing our role as fiduciaries.

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