Insurance Needs and Design
When was the last time you had a professional, detailed analysis to determine the effects that premature death, disability or a long-term care need would have on your family? We are an independent firm with a robust research team . If insurance is needed as a risk management tool, we can search for the best option for you.
Some common questions we can help you answer:
- How much money would my spouse need if I were to die prematurely?
- How long would that money last?
- What is the plan for the money that my beneficiaries would receive?
- What type of policy is best for me?
- If my spouse or I need long term care, what does Medicare cover? What would a long-term care policy cover? Can I afford the insurance? Are there alternatives to insurance? What are they?
- Is the life insurance that I have still the best option for me?
- Do I have too much life insurance?
We will review your existing insurance policies to make sure they are still the best fit for you and your family or business. Sometimes, opportunities exist that may save a client money, provide better coverage, or even consolidate existing policies.
Contact us at (715) 343-9600 to speak to an advisor, or to schedule an appointment for a no-cost, no-obligation consultation, including a review of your existing policies. Or, for more information, e-mail us at SchulferAndAssociates@lpl.com.
