Estate Planning

 Estate Planning

is the process of designating who will receive your assets and handle your responsibilities after your death or if you become incapacitated.

Short Term Care Insurance:

Plans that provide coverage for  home care, hospital care, assisted living care and skilled care. 

Long Term Care Insurance:

Plans that provide coverage for home care, assisted living care and skilled care. 

*Must qualify for coverage*

A Medicare Supplement policy can help pay some of the remaining health care costs, like: 

• Copayments 
• Coinsurance
• Deductibles 

However, they generally don't cover: long-term care, vision or dental services, hearing aids, eyeglasses, or private-duty nursing. 

 Annuities

 are insurance contracts that provide a fixed income stream for a person's lifetime or a specified period of time. An annuity can be purchased with a lump sum or a series of payments and begin paying out almost immediately or at some point in the future. 

 Life insurance

 is a contract between you and an insurance company. In exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. 

 Retirement Planning

is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk. 

 Notary Service

 is a person authorized to perform acts in legal affairs, in particular witnessing signatures on documents.

Final Expense Insurance 

is a life insurance policy that has a death benefit. Final expense insurance is also called “funeral insurance."