Protecting Your Family

Protecting Your Family

Why is having life insurance important?

Although life expectancy has increased, life holds no guarantees.  Wise financial planning involves taking care of loved ones who depend on you for financial support.  Life insurance can give peace of mind by providing the kind of protection for your family and their financial needs after you’re gone.  Our knowledgeable advisors can help.

Can I do without long-term care (LTC) insurance?

Aging is inevitable.  Statistics show that 70% of people 65 years and over will need long-term care.  And, while the need for long-term care is more prevalent among the elderly, 40% of individuals between 18 and 64 years old will also require some sort of extended care due to injury or illness.

The average costs of care services and facilities such as nursing homes, assisted living facilities and in-home care are continually on the rise.  The good news, however, is that LTC insurance can help protect your hard-earned money and assets from these soaring expenses.  Furthermore, many life insurance policies today include long-term care as a part of the plan.

As you consider your retirement years, it’s important to think about some kind of LTC policy.  Having LTC insurance ensures quality of life for both you and your loved ones and ultimately provides peace of mind.

Do I need disability income (DI) insurance?

Like most people, you probably have a number of financial commitments, such as a mortgage or rent, car payments, daily living expenses and a retirement savings account.  If you become disabled, you will still need to meet these obligations, as well as provide for your family.  Although your workplace may offer some form of temporary disability insurance or group disability income insurance, often times these will not be enough to cover your entire income.

Disability income insurance can help to protect your income so that you can fulfill your commitments and support your loved ones without interruption, even when you become too sick or injured to work for an extended length of time. Our experienced advisors can recommend a DI plan that’s a good fit for you.

Registered Representatives associated with the Shiraishi Financial Group offer securities through Independent Financial Group, LLC (IFG), a registered broker-dealer. Member FINRA/SIPC.

As applicable, Financial Advisors associated with the Shiraishi Financial Group offer advisory services through SFGA LLC, a registered investment adviser. SFGA LLC and IFG are not affiliated.

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