Disability, Life and Long Term Care

Each day we are surrounded with risks. This is why we insure our most important assets. While we always remember our homes and automobiles, we sometimes forget our biggest one- the ability to produce an income.  Nearly 1 in 4 Americans will become disabled before retirement.  Please contact us to evaluate your current policies and situation. 

 Ask us about:

• Individual, Business Overhead, Key Person coverage
• Own Occupation, Specialty Specific definition of disability
• Loan Indemnification Disability Coverage
• Association Discounts available to members

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We all have financial obligations in our lives, whether it's to our family or being the key person within an organization.  Through conversations and fact finding, our insurance specialists at Withers Crest can help you determine your financial responsibilities and design a plan that can self-complete your dreams and goals.

Ask us about:

• Term, Whole Life, Universal Life(UL), Index UL
• Funding Buy Sell Agreements and Key Person Policies
• Using Life Insurance for Estate Planning

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With the medical field constantly evolving, we are finding new ways to live longer. However, at some point we may find that we need help with our activities of daily living. Long term care is the number one reason retirees outlive their income and deplete their assets.  If you carry disability insurance while working, why would you not insure the financial burden of being disabled in retirement?

Ask us about:

• How much does long term care cost in my area?
• When will a Long Term Care Policy start paying?
• When is the best time to buy a Long Term Care Policy?

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Annuity plans are designed and marketed through insurance companies as a contract between the annuitant(client) and the insurance company.  They can seem confusing at times but are simple in theory.  Most of the time they are used in the pre-retirement stage as a tax deferred growth supplement to pensions, 401(k)s and IRA's, or during retirement to draw a guaranteed income for the rest of annuitant’s life.  Annuities are not right for everyone but at Withers Crest, our specialists are fully versed in all aspects of annuities and will happily answer your questions to help you determine if one is right for you.

Ask us about:

•If an annuity would benefit your retirement planning?
•How an annuity can help protect your assets?
•The difference between Fixed, and Index Annuities?
•If a Life Time Income Annuity would help your current or future planning?

Click Here to Receive a Quote and Have One of Our Specialist Contact You