The term financial services emerged in the 1990s as a result of legislation that allows companies that manage money to operate in more types of businesses. (Gramm-Leach-Bliley Act)
The result of this legislation has been more choices for consumers. On one hand, more choices can mean better products and prices. On the other hand, more choices can make it more complex to determine which products best suit your own situation.
As an independent agent, we thoroughly understand the financial products on the market today, and we represent numerous financial services companies offering a variety of product and price options.
Equally important, we listen. We take the time to understand your financial goals and help you put together a plan that works for you. As your life changes, we stay with you, helping you make adjustments so your plan stays relevant.
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Long-term care insurance helps offset the cost of assistance with the activities of daily life such as meal preparation, bathing, or dressing. The coverage is often thought of as care for the elderly, However, the insurance can be used by anyone who is impaired due to mental or physical illness, or injury. Nor is the care always long-term. Some people may need services for a few months or less.
Assistance with the activities of daily life can be provided in a nursing home, an adult day-care center, an assisted-living facility, or even at home.
As with disability insurance, long-term care insurance presents some difficult decisions – to buy or not to buy, if you decide to buy, when is the best time, and what features are likely to be most important.
When choosing a long-term care insurer, the stability of that carrier is critically important. As an independent agent, we have relationships with carriers that are fully committed to this market.
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