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Income Protection

 Income protection acts as a safeguard for your assets and will provide you with the peace of mind that comes from knowing you will have enough income to maintain your standard of living should unforeseen circumstances prevent you from working.

Disability

The purpose of disability coverage is to replace the income that is lost when an illness or accident causes a long-term disability for an income-earner. It is a crucial part of financial planning and having the proper plan in place will allow you to continue to live in financial freedom regardless of circumstance.

Asset Protection

Asset protection is vital to protecting your property and assets from legal problems during your lifetime and after your death. We will work with you to develop an asset protection plan that will help you to maintain your financial freedom regardless of legal issues that may arise.

Premature Death

Death is one of the few things in life that we are guaranteed, but still it is a source of stress and fear for many of us. Much of that fear is of the unknown: how or when we will die or what will happen to our loved ones. We can't avoid our ultimate end, but we can implement measures to overcome many of the uncertainties associated with death. We will work with you to structure an estate plan that ensures your wishes are respected and your loved ones are provided for.

Critical Illness

Critical Illness insurance is a one-time, lump-sum payment if the person insured is diagnosed with a life-threatening illness. The insured may use these funds in any way they desire; paying for day-to-day living, purchasing equipment, funding private health care, or taking a family vacation.