Let’s face it. Bad things happen all the time. A critical illness or catastrophic event can change your circumstances in a heartbeat, and where does that leave your family? Not to mention your own specialized care, should you need it. The best any of us can do is to be prepared, and plan well ahead of time. By anticipating any eventuality, you can protect yourself, your loved ones, your property and your investments from what may come.

Insurance is a critical component of your financial strategy

We believe that in order to be truly financially secure, you need to know that you are prepared for whatever might happen. To this end, we focus on three types of insurance, aimed at protecting your income and assets from often times sudden and unexpected health issues:

  • Life insurance
  • Disability insurance
  • Long-term care insurance

Through these three insurance products, we can devise a plan that helps to protect your assets in case the unthinkable happens, and provides enough coverage to care for you and your loved ones in the event of a disability, debilitating illness or your inevitable demise.

We promise to work closely with you to help protect and ensure your financial future from the unexpected as well as the inevitable. We’ll also assist in making certain that you have funds available in the event of an emergency and that a sudden hospitalization won’t cripple your retirement fund.

Our process

At Milestone Wealth, we know that each and every client has a unique situation. We think it’s important to take the time to get to know you before we even start to make recommendations about insurance products. Working closely with you, we first identify and analyze potential risks to your income, your health and your portfolio. Once we have a clear understanding of your situation, we then put the appropriate insurance coverage in place. Our recommendations are always based on what is best for your big-picture financial strategy.

Not your typical insurance agent

Even though we sell insurance, we focus solely on the three divisions of life, disability and long-term care, as these are coverages that directly address the risks that might impact your finances. Ultimately, we are a financial advisor, and would be remiss if we didn’t offer the appropriate protections. It would be truly heartbreaking to work so hard to achieve financial growth and success, only to have it ripped away because of an accident or other catastrophic event. It only stands to reason: a little planning now will protect you well into the future.

Life insurance planning

There are several different types of life insurance, and depending on the legacy you want to leave, we can design a policy that is right for you. Chosen based on your individual needs and goals, some policies provide coverage for a set period of time and some provide lifetime coverage. We will always take the time to explain the benefits and drawbacks of any type of life insurance, the needs it meets and how the benefit is paid out. READ MORE

Term life insurance provides income replacement during your working years and is defined by a set number of years, or the term. READ MORE

Permanent life insurance does not expire, and as long as the premiums are paid and the policy is structured properly and performs well, then it will always be in place. READ MORE

Disability Insurance Planning

Disability insurance will help to keep you solvent in the event you are unable to work due to an illness or accident. Though you may have disability insurance through your employer, this type of coverage often only covers 50-60% of your income. Additionally, the benefits are taxable, and if you leave the company behind, you leave the benefit behind as well. READ MORE

Long Term Care Insurance Planning

For long-term illness of any kind, a long term care insurance plan can assist with the cost of ongoing care, whether in your home or in a facility. Long-term care costs are not often covered by standard health insurance policies, and if you are in need of long-term care, the cost can quickly eat into or even devastate your savings. READ MORE

There are two basic types of long-term care insurance:

Traditional long-term care insurance: a customizable policy that helps you get the most out of the premium that you pay. READ MORE

Hybrid long-term care insurance: combines with life insurance or annuities; provides a death benefit to your beneficiaries if you do not use the long-term care services. READ MORE