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Life insurance

As you reach different stages in your life, you may have the need for different types of life insurance and varying amounts.

If you have children or other individuals that rely upon your income for their livelihood, you may need life insurance to provide for them should the unexpected happen to you: how much insurance, how long the policy should be in force, and what type of insurance are just a few of the decisions we will advise you.

Final expenses or money to pay for medical expenses may be a consideration for you and we can help you determine the amounts you may want to plan for and the best type of insurance to purchase for this need.

If you have a business and need insurance for a buy-sell arrangement or to fund operations for key employees, we can advise you on the best structure that will not have unintended tax consequences.

Life insurance is often used in estate planning in order to accomplish many objectives. These include payment of estate taxes, or equalizing assets for those left behind. We are in the position to advise you about these matters. We will work with your estate planning attorney to determine the best type of insurance for your particular need.

Long-term care insurance

Long-term care insurance is becoming increasingly important in our world. Because of the population growth of the “Baby Boomer” generation, many are concerned about the availability of long-term care facilities and the cost of caring for this generation.

Should you purchase long-term care insurance for yourself, your spouse, or your parents? This is a consideration that involves many different factors.

  • How much money will you need for long-term care?
  • Will you have care in your home or in a facility and will the policy pay for care in either or both?
  • What happens if you have an event that triggers the need for you to have long-term care?
  • Do you want to protect your assets from the high cost of long-term care?

Long-term care planning is very important as it can impact your family as well as your portfolio. There are many different options available for you including Traditional Long-Term Care Insurance, Linked Benefit Plans or plans for business owners.

We include long-term care planning as part of our discussion with you in our planning process. As CPA financial advisers, we are uniquely positioned to assist you with life insurance and long-term care insurance advice coupled with income tax advice so that you have the best of both worlds when planning in this area.

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