Life, Disability & Long-Term Care
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Inadequate insurance could potentially be as dangerous as lacking insurance entirely. The false sense of security provided by unknowingly being underinsured is a threat to your assets, your livelihood, and all people connected to you financially. ENV’s financial advisors will provide you an honest, informed assessment of your life insurance, disability insurance and long-term care insurance.
An Honest Approach
ENV’s Financial Service professionals identify and implement strategies in several ways. We address our clients’ insurance policies in a thorough approach that provides a comprehensive comprehension of their existing insurance coverage. We will analyze and evaluate your life insurance, disability insurance, and long-term care insurance. This analysis and evaluation will provide you with an accurate understanding of your policies, empowering you to make an educated decision about your insurance needs.
Caring For Your Unique Needs
Every decision has to be budget conscious, as you know. Recognizing this, ENV Financial Service professionals are dedicated to finding you a practical, comprehensive, affordable rate. We will review and compare fixed annuity and immediate annuity rates, finding you a solution that’s best for your individual needs.
ENV clients are afforded an array of life insurance options to ensure you get appropriate coverage.
ENV Life Insurance options include:
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
Since there are many choices and strategies for life insurance as part of a coordinated financial plan, we recommend a complimentary life insurance needs analysis. After your complimentary analysis, we will make appropriate recommendations for your specific situation.
Disability insurance pays benefits when the insured is unable to earn a living due to sickness or injury. Like all insurance, disability income insurance is designed to protect against financial disaster.
Most disability policies pay a benefit that replaces some part of the insured’s earned income when he or she is unable to work. The chances of being disabled for longer than three months are far greater than the chances of premature death.
Life expectancy is greater today because medicine has made many illnesses and injuries less life threatening. This is good news, but it does increase the need to protect your income with disability insurance.
Long-Term Care Insurance
Long-term care (LTC) insurance is a contractual arrangement that pays a selected dollar amount per day for a selected period of time for skilled, intermediate, or custodial care in nursing homes and/or home health care.
Because Medicare and other forms of health insurance do not pay for custodial care, many residents of nursing homes have only three alternatives for paying their nursing home bills: their own assets, Medicaid, or long-term care insurance.
Long-term care refers to a range of medical and personal services that provide ongoing care for people with chronic disabilities who have lost the ability to live independently.
The risk of contracting a debilitating illness (and the resulting medical bill) is usually one type of risk best assigned to an insurance company through the purchase of a long-term care insurance policy.
Contact ENV Financial Services today to protect for tomorrow.
ENV Financial Services, 7789 Oswego Rd. Liverpool NY, 13090 Securities and Advisory Services offered through Cadaret, Grant & Co., Inc., a Registered Investment Advisor and Member FINRA/SIPC. ENV Insurance Agency, ENV Financial Services and Cadaret, Grant & Company, Inc. are separate entities. We are registered to sell Securities in the following States: NY, CT, FL, TN, IN