Malcolm & Parsons Top 5 Coverage Recommendations
 

1)    Disability Income:  Without doubt Your Most Valuable Asset is Your ability to work.  If you can’t work WHO will pay your bills, or support your family?  Disability Insurance pays you when you can’t work due to a covered accident or illness.  You decide how much and for how long benefits will be paid to you.  Your disability payments come tax free.   Discover how affordable quality Disability Income can be! Ask yourself:  If you were offered a job for $100,000 per year but $0 if you were hurt, or another job paying you $98,000 per year that would pay you until you reached retirement age if you were hurt, which job would you pick?

2)    Long Term Care:  You save throughout your Adult Life to retire securely, and maybe leave something behind for those you love.  Your savings quickly disappear when you pay $84,000 (or more!) per year for Nursing Care.  More and more Clients are paying pennies on the dollar to secure their future, and the future of their Spouse, by getting a policy that pays their at home and at nursing home care costs, saving their nest egg for better things.  Long Term Care is like Disability Income.  You decide how much per day, and for how long you will receive benefits.  It’s up to you.  Why not keep your retirement safe?

          For Government Recommendations go to:  www.longtermcare.gov/campaign/ma

3)      Life Insurance:  There are two kinds; temporary and permanent.  Temporary, commonly called Term Life, lasts from 1 year to 30 and is designed to protect you and your family while you raise children, have a mortgage, or pay other expenses others could not pay if you died.  Term is least expensive and supplements  Retirement Funds you haven’t saved yet.  Permanent Life Insurance, known as Whole, Variable, and other names, is designed to stay in place until your death.  Permanent Life plans can act as a Retirement Plan for you AND provide those you are responsible for with a safety net of support.  Today life insurance is better  and less costly than ever before.  With hundreds of life insurance companies competing you’ll be surprised just how affordable Life Insurance is today.  Buy as much, or little, as you need.  Just ask us.

4)      Umbrella Liability:  The most common source of lawsuits today are car accidents. Figures, right?  An Umbrella goes over your home and auto coverage to increase your level of protection.  It’s designed to have limits to match your economic worth.  Umbrellas start at $1,000,000 and go as high as you need.  The cost is less than raising your auto and home insurance limits separately to a $1,000,000, or more.  You don’t have to be a Millionaire to be sued like one.  Why not protect yourself and family for, on average, $1.00 per day?  Almost everyone qualifies, answer some questions and we can provide you your own ‘Umbrella.’

5)      Health Insurance: Why 5^th on our list?  Hospitals don’t go out of business if you don’t pay them.  Hospitals usually won’t deny you service if you can’t pay.  They usually offer payment plans to settle bills.  It’s MORE IMPORTANT that YOU have money than a hospital.  Better for YOU to have Disability Income, Long Term Care, Life Insurance, and a Personal Umbrella to support yourself and your family, than a hospital get paid. Take care of yourself first.  Hospitals seldom force home or asset sales to settle.  Car accident Lawsuits, Mortgage Foreclosures, Long Term Care expenses, and of course death, are your more serious roads to financial ruin.

NOTE: Our list takes for granted you already have proper and adequate limits on your car and home with proper guarantees of Replacement Coverage for your home. Ask us if you have any questions. We’re Here To Help You.

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