The Process:
Unlike other advisors, Mr. Flanders does not provide instant insurance quotes! Instead, he takes the time to carefully analyze his individual client’s needs and make appropriate recommendations, and isn’t that what everyone should prefer? He is solution oriented, not sales directed.
Life Insurance:
In some cases, term life insurance is exactly right for a family. It will provide for the family in the event of an untimely death. Other times however, permanent life insurance is preferred if the family is preparing for future expenses such as college expenses or retirement planning. Everyone’s needs and objectives are different and it takes a special analysis to make the proper selection. In all of these events, one needs an advisor that holds your interests as their highest priority.
Long term care:
Age is not a determining factor for needing long-term care. That said, about 70% of individuals over the age of 65 will acquire at least some type of long term care services during their lifetime. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform two of the six activities of daily living (ADLS) such as dressing, bathing, eating, toileting, confidence, transferring and walking. It should be noted that when change of health occurs, long-term care insurance may not be available.
Disability Insurance:
In its purest form, disability insurance is income protection. It ensures that the beneficiary’s earned income will be protected against the risk that a disability may create if the worker is unable to complete the core functions of their work.
Business Insurance:
Business insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage vary among insurers. Only careful analysis of the business needs will determine the amount of coverage and types of coverage necessary. One needs an advisor such as Mr. Flanders with years of experience in these areas.
Insurance Trusts:
Life insurance trusts are a sophisticated estate planning tool used by individuals to reduce their estate tax liability. With the uncertainty of future estate taxes, Mr. Flanders will analyze the risks according to your specific needs and make recommendations which will protect your estate for your heirs.