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  3. Insurance

Insurance

Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can help protect you and your family from undue hardship.

We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if 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
  • Long-term care, disability and critical illness
  • Health and dental
  • Group health benefits

 

Life insurance

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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, as well as 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 name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans

We can help you select coverage from a variety of 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 - contact us today to find out how.

 

Long-term Care, Disability and Critical Illness insurance

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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 income insurance

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost 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 you are afflicted by a disability or other condition.

We can help you choose the long-term care and disability income 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

We can help you tailor your financial security plan so it helps to protect your income through long-term care and disability insurance. Contact us today to find out how.

Critical illness insurance

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that can reduce financial stresses and can complement disability income 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 if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside the US
  • 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)

Contact us today to determine whether critical illness insurance fits into your financial security plan.

 

Health and dental insurance

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Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, we can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.

When designing your customize health and dental insurance package, you can choose from an array of services. Options include:

  • Prescription drugs, which many consider one of the most valuable forms of health coverage.
  • Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist.
  • Vision care if you or your family members wear glasses or contact lenses.
  • Protection while on vacation or a business trip with out-of-country medical coverage.
  • Access to private or semi-private hospital rooms.
  • Dental care can include basic dental work as well as a portion of orthodontics, depending on your level of coverage.

Contact us to find out more about enhanced healthcare and dental protection for you and your loved ones.

 

Group health benefits

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In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families.

For this reason, either by itself or paired with group insurance products, consider attracting and retaining employees with group benefit plans. From traditional health and dental benefits to alternative arrangements like employee wellness programs, group auto insurance or flexible work situations, group benefits help make employees more efficient, productive, and happy. Employers also gain tax benefits, such as premiums that are deductible as a business expense in some cases.

Flexible plans offer employers and employees cost-effective, customized ways to address their needs. Choose from an array of benefits like:

  • Extended health and dental care coverage, which includes options like prescription drugs, paramedical services, vision care, out-of-country medical coverage, basic dental work and orthodontics
  • Group life insurance
  • Group short- and long-term disability insurance
  • Employee assistance and wellness programs
  • Alternative group benefits, such as group auto insurance or flexible work arrangements
  • Group critical illness coverage, to help ensure your employees can survive a critical illness
  • Benefits plans tailored to specialized employee groups, such as foreign or part-time workers

Contact us today to learn more about benefits products and services that fit the needs of your business.

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Fee-based, and non-fee based financial planning is offered by financial professionals who are investment advisor representatives of Equitable Advisors, LLC, an SEC-registered investment advisor. For purposes of content clarification, "advisor" is used as a general term to describe insurance/annuity and investment sales and advisory professionals who may hold varied licensing as insurance agents, registered representatives of broker-dealers, and investment advisor representatives (IAR) of registered investment advisors, respectively.  "Advisor" in this context is not intended to necessarily refer to IAR-offered financial advisory/planning services. 

Securities offered through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor.  Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, in PR as Equitable Network of Puerto Rico, Inc.  Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances.  Individuals may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm’s Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.

Reflection Financial Strategies is not a registered investment advisor and is not owned or operated by Equitable Advisors or Equitable Network. AGE-127617 (Rev. 12/21) (Exp. 10/23)

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