Insurance Planning
We offer a wide range of financial solutions for you and your family. Click and option below to learn more.
Term Life Insurance
We here at SmartPro Financial believe in term life insurance because it provides the most affordable option for people to purchase the life insurance they need. First and foremost, life insurance is for protection and having the right amount of coverage is the most imperative goal.
Many of us take life insurance too lightly. Think about it: If you were to pass away unexpectedly, how would your spouse pay for monthly expenses without your income? In the dark moments of grief, the last thing your spouse should worry about is surviving financially in your absence. With a term life insurance policy for 10–12 times your yearly income, your family won’t have to worry about making ends meet, losing their home or changing their college plans if you’re not there to provide for them.
Long-Term Disability Insurance
Long-term disability insurance protects you from loss of income if you are unable to work for a long period of time due to an illness or injury. Don’t think a permanent disability could sideline you and your ability to work? According to the Social Security Administration, just over one in four of today’s 20-year-olds will become disabled before reaching age 67.
Those odds are too high for you to skimp on long-term disability insurance. If you’re in your prime wage-earning years, a permanent disability could potentially derail your dreams of home ownership or paying for your kid’s college.
Bottom line: make sure you’re covered. Many companies offer long-term disability insurance to their employees, so start there.
Long-Term Care Insurance
Long-termcare insurance covers a range of services like nursing home care and in-home help with basic personal tasks like bathing, grooming and eating. Usually, long-term care refers to any ongoing assistance for those who have a chronic illness or disability. It’s expensive, and long-term care costs are not generally covered by Medicare.
So who really needs long-term care? To protect your retirement savings from the expenses of long-term care, get long-term care coverage no later than age 60. Remember that while you’re not likely to need long-term care before then, many factors—like your health and family history—go into your decision when to buy long-term care insurance—and how much you’ll pay for it.
Even if you’re not close to this stage of life, your parents might be, so take time to investigate their long-term care options too.
Term Life Insurance
As an independent advisor I have access to multiple top-rated life, disability and long-term care insurance carriers. I’ll take the time to compare rates at all the companies we represent to find you the best deal!
Contact Us
Email: tyler@smartprousa.com
Phone: 407-917-1166
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