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Life, Disability, & Long-Term Care Insurance

Protection for Life’s Unpredictable Moments

Protection for Life’s Unpredictable Moments

As carefully as we may try to plan for the future, life rarely follows the course we chart. There are bound to be unexpected turns and bumps in the road—and for those moments, there’s insurance. Accumulating financial assets is only a small part of preparing for your family’s future, and it leaves many gaps in which things can go wrong. Insurance helps to fill those gaps so that you can rest a little easier, knowing you and your family are protected.

Find the Right Life Insurance to Provide for Your Family

Find the Right Life Insurance to Provide for Your Family

If you were to pass away unexpectedly, what would happen to your family? Would they have a reliable source of income? How would your spouse care for your children while making ends meet? Life insurance provides the cushion your family needs to cover funeral expenses, pay off debts, and may allow you to take an appropriate amount of time to grieve before having to worry about finances.

We can help you to understand the different types of life insurance policies out there, select the most appropriate product, and purchase the correct amount of coverage for your family. We can assist with all of the following types of life insurance:

  • Term insurance
  • Whole life insurance
  • Universal life insurance
  • Variable universal life insurance

Thomas A. Schmidt & Associates can provide the guidance and support you need to find the right life insurance policies for both you and your spouse.

Finding Disability Income and Long-Term Care Insurance

While many people understand the importance of life insurance, we often find that people underestimate the importance of other types of insurance—particularly disability income and long-term care insurance. Accidents, medical conditions, and other unexpected issues can often result in the inability to work, or the need for long-term care.

Disability income insurance helps protect a portion of your paycheck if you should be unable to work. By purchasing this type of insurance, you can help protect your family’s financial future against life-altering injury and illness.

While many employers offer disability plans, these often fall short at claim time due to benefits being taxed if coverage is Employer paid, policy limits that may not fit your particular situation and the coordination with other benefits.  

We can help you to find and select the most appropriate type of long-term care or disability income insurance, as well as helping you ensure you have the right life insurance coverage. Contact Thomas A. Schmidt & Associates today to get started.

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