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Universal Life Insurance
Universal life is basically a whole life policy which is divided into two parts, death benefit and cash value. Cash value earns interest for the policyholder, based upon the current interest rates.
Long-Term Care Insurance
Long-term care can be described as therapeutic, rehabilitative, maintenance or personal care services, delivered in a setting other than a hospital. Long-term care is for persons needing assistance with the ordinary activities of daily living because of functional impairments, or for persons needing assistance or supervision because of cognitive impairments. Long-term care is provided by nurses, therapists, home health aides, and other skilled and unskilled caregivers, and is provided in settings such as a person’s own home, an adult day care center, an assisted living center or a nursing home.
Long-term care insurance can protect you against the cost of long-term nursing home care, home health care and other health or disability-related services you may need.
Long-Term Disability Insurance
Long-term disability insurance is issued to an employer (group) or an individual to provide a reasonable replacement of a portion of an employee’s earned income lost through serious and prolonged illness or injury during the normal work career.
Group Health Insurance
Group health insurance is issued to an employer to provide health benefits for his employees.
Business Insurance
Business insurance is a policy which primarily provides coverage of benefits to a business as contrasted to an individual. It is issued to indemnify a business for the loss of services of a key employee or a partner who becomes disabled.
Estate Planning
We can help design a plan for you to help deal with the problem of estate taxes..
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Hammond,
Louisiana 70404