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Insurance Protection

Life Insurance provides financial protection for the insured’s family in the event of the insured passing prematurely, whereas Annuity provides income protection for someone who lives too long. Long Term Care (LTC) Insurance is designed to pay or reimburse covered long-term care costs. For example, a long-term care insurance policy pays for the cost of care due to a chronic illness, a disability, or injury. It also provides an individual with the assistance they may require as a result of the general effects of aging. Disability Insurance (DI) is also called disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for completion of core work functions. Accident Insurance is an extra layer of protection that pays cash when the insured suffers an unexpected, qualifying accident such as severe burn, broken bone or emergency room visit. It provides money to cover any extra, out-of-pocket expenses associated with your injury, e.g. Medical cost, rent, groceries etc.

Most of these insurance products have some forms of tax advantages. For example, Death benefit and Long Term Care benefit payout are generally income tax-free. Some insurance products have cash value so they could become a financial tool for legacy/estate, retirement, and tax planning.


When it comes to insurance, there’s no such thing as “one size fits all.”  As a consumer, shopping for these insurance could be extremely over-whelming. Our agent can help you explore different options and products in the marketplace and choose the product that fits you the best for your situation and your budget. Our service has no extra cost to you. We have access to all the major insurance carriers’ product in the market.

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