Far too many individuals, families, and business owners buy insurance without having a financial advisor or risk assessment, many see insurance as a waste of money and forego it altogether. With proper risk management you can protect yourself against the financial devastation of an unforeseen event in the most cost-effective way possible.
At Renaissance, we might be able to help you navigate many different types of insurance, including life insurance, disability insurance& long-term care insurance.
Life Insurance Planning
At the outset, life insurance seems simple enough: you purchase a policy that provides benefits to your surviving partner and children in the event of your death. However, because there are big differences between term and whole life insurance, some of which may affect your retirement savings, decisions about life insurance should be made with the help of a financial planner.
Disability Insurance Planning
The purpose of disability insurance is to subsidize a portion of your regular paycheck while experiencing a disability that prevents you from working. Short- and long-term coverage is available. We’ll help you find the rate that will maximize your benefits and fits your budget.
Long-Term Care Insurance Planning
Unlike ordinary health insurance, long-term care insurance focuses on more than just covering medical costs. Your policy will reimburse you for the costs of all eligible personal care, including room and board at a nursing home or assisted living facility.