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Insurance



Insurance can be an important component of your overall financial strategy. While its primary purpose is often protection, insurance coverage can offer additional benefits:

  • Cash to your estate to pay debts, taxes or other expenses
  • Legacy/wealth transfer strategies
  • Asset accumulation and distribution strategies


As you seek to build financial security for yourself and your family, you may want to consider the following options:

  • Protection and Legacy Transfer
  • Term insurance — can provide for basic insurance protection, debt consolidation, mortgage cancelation, college funding and family income needs.
  • Long-term care insurance — can help defray health care costs not covered by Medicare.
  • Medicare supplemental insurance — is designed to provide for an increase in the deductibles and co-insurance payments required each year in Medicare plans.
  • Disability income insurance — can be used to replace income due to a disabling accident, health issue or mental incapacity.
  • Group life and disability — can provide employee life and disability insurance coverage for your business.
  • Asset Accumulation and Distribution Strategies
  • Fixed annuities — provide both a fixed-investment rate as well as guaranteed income, with tax-deferred accumulation.
  • Universal life insurance — offers life insurance protection with a fixed rate of guaranteed tax-deferred cash value.



An M3 Investment Services Financial Professional with insurance knowledge can work with you to assess your insurance needs as part of your investment plan.

 

http://www.aaltci.org/long-term-care-insurance/

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Disclosure: Lincoln Investment and its affiliates do not provide estate planning or tax information or advice.