Did you know that only 40% of people think that they will need long term care at some point? The reality is that 70% of people over age 90 will eventually end up requiring long term care.
Many people believe that they have coverage for long-term care through their health insurance and/or Medicare. However, these provide little to no coverage. Planning for longevity expenses is an extremely important part of retirement planning.
There are a few strategies that should be considered:
- traditional long-term care insurance
- hybrid long-term care life insurance
- self-insure options
Let us help you review your options and choose the one that fits your family and needs best.
What happens to your family or business should something happen to you? Life insurance protects your family against premature death.
The bulk of retirement and wealth planning relies on being able to make sound long-term decisions to build wealth. Life Insurance can help provide financial security to your family or business should you pass on prematurely.
Getting coverage early can help secure lowest premiums possible and you are likely to have more debt and a greater need earlier in your life. Choose the coverage and premium that best suits your needs and budget. Speak to LaBrunerie so we can help determine your coverage needs.
Guaranteed Lifetime Income
A guaranteed lifetime income stream in retirement can bring financial security, freedom, and peace of mind.
In many cases, retirees’ financial paradigm shifts from accumulation to preservation. Pensions are becoming rare and social security is underfunded. Today, the responsibility of financing your retirement income is likely to fall on your shoulders. Annuities represent a vehicle for preserving retirement assets while providing a steady income stream for the rest of your lifetime. We can help you select the best option to suit your needs.
Count on us to help facilitate details so you can focus on what matters.
Losing a loved one is an emotional journey. Imagine your heirs having to settle your estate. The claims process can be complicated and time-consuming to complete. There are many decisions to be made that have complicated legalities to navigate and that will affect the tax treatment of their inheritance. We can help your loved ones by working with your attorneys, accountants, and investment companies to navigate the estate settlement process after death for your family.