Shaffer Insurance Services is a comprehensive financial services firm committed to helping its clients manage their risk through the proper use and selection of various insurance contracts. Our customized programs are designed to protect and conserve our clients' wealth which is accomplished by delivering an unprecedented level of personalized service and expertise.
Purchasing life, disability, health, long term care insurance and annuities can be a daunting task. Often times it is simply put off and then never even done because of any number of factors - it's not pleasant to think about, there is no sense of urgency, the premiums are too high, etc. Our advice is that if you have the need for some or all of these products, take the necessary steps to obtain it now because life can change in an instant.
Purchasing life, disability, health, long term care insurance and annuities can be a daunting task. Often times it is simply put off and then never even done because of any number of factors - it's not pleasant to think about, there is no sense of urgency, the premiums are too high, etc. Our advice is that if you have the need for some or all of these products, take the necessary steps to obtain it now because life can change in an instant.
Services
People usually buy life insurance to replace income that would be lost if a wage earner dies prematurely. Life insurance proceeds are generally tax-free, and are also used in estate planning, cash accumulation, retirement funding, and the transfer of wealth to beneficiaries. After just a few questions, we can help you determine the proper amount and kind of insurance policy you should own.
Disability income insurance is an often overlooked benefit. We specialize in making sure your income is fully insured because the odds are high that a 35-year-old is at risk of missing more than 90 consecutive days of work due to an illness or injury before age 65. The right disability insurance policy can protect you against the loss of your income in such situations.
It is important to be fully aware of your employer-sponsored health plan, and know how to maximize your benefits. If you are self-employed, then you should not only know how your plan works but also be sure that you have the best plan available for your particular needs. If you are eligible for Medicare, it is prudent to also carry a Supplemental policy as well.
Approximately 40 percent of the 65-and-over population will eventually need long-term care, with an average nursing home stay of 2.5 years at a cost averaging from $50,000-$75,000 annually. A Long Term Care policy can often mean the difference between living with dignity or living in poverty.
If you are unfortunate enough to become afflicted with a chronic disease that robs you of you ability to function normally, your assets could be wiped out in a very short period of time if you have to pay for your care out of your pocket.This insurance must be purchased prior to needing Long Term Care.
If you are unfortunate enough to become afflicted with a chronic disease that robs you of you ability to function normally, your assets could be wiped out in a very short period of time if you have to pay for your care out of your pocket.This insurance must be purchased prior to needing Long Term Care.
We do the best job for our clients and often work with other advisors for optimal results. Part of what you'll need to think about regarding business coverage will be positive - like rewarding your employees and top executives with benefits and/or bonuses. But there will also be negatives to consider, like employee disability or the death of a business partner.
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