Insurance Planning
Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability, or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve...
goals like buying a house or retiring comfortably.
The Private Client Company has access to various insurance products that can help meet your financial security planning needs. Whether you’re single or in a family, a professional or a seasonal employee, an executive or small business owner, we will work together to design a customized plan.
Life
L.I.R.P Life Insurance Retirement Planning
Long-term care, disability, and critical illness
Life Insurance, Cash Value and Convertible Term
In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts and provide income for the deceased’s dependents.
The advantages of life insurance include:
An instant estate for your loved ones at a time when funds are most needed
Death benefits that are almost always non-taxable for named beneficiaries
Avoid probate costs if you call a beneficiary other than your estate
Potentially offer your loved ones creditor protection through some life insurance plans
Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans.
The Private Client Company can help you select coverage from various life insurance options to meet the needs identified in your financial security plan.
Life insurance can play a vital role in your financial security plan.
Long-Term Care, Disability And Critical Illness Insurance
Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability, and critical illness insurance.
Long-Term Care And Disability InsuranceIncome is significant for current financial obligations (e.g., grocery bills and mortgage payments) and future financial security (e.g., planning for your children’s education or retirement). Just think what might happen if you suddenly lose your income stream through a long-term illness or disability.
Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if a disability or other condition afflicts you.
I can help you choose the long-term care and disability insurance products that provide advantages like:
Helping maintain your financial independence, lifestyle, and long-term financial security plan in the event your income is impacted by disability
Assist with paying fixed expenses for your business if you become disabled
Support the buy-out of a disabled partner’s share of a business
The Private Client Company can help you tailor your financial security plan to protect your income through long-term care and disability insurance.
Critical Illness InsuranceSuffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and your business added financial security- if applicable—so you can focus on recovery.
The advantages of critical illness insurance can include:
Coverage for up to twenty-two acute illnesses or conditions
Home care costs during illness and recovery periods
Even if you’re not disabled from working, you may receive payment
The ability to provide a return of premium benefit (optional)
Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g., a non-income earning spouse)
Insurance is about safeguarding yourself, your loved ones, and your assets against unexpected risks. It involves assessing potential risks, such as health issues, accidents, or property damage, and choosing appropriate insurance policies to mitigate them.
Office *By appointment ONly!
418 E Lakeside Ave #103, Coeur D'Alene, ID 83814
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