Specialized Insurance

Specialized Insurance

Apart from income, insurance is one of the most important pieces of achieving financial stability. Smart insurance use can help you manage risks associated with perils like disability, illness, and death. Most families are unable to afford the financial expenses that come with these perils.

We offer high-quality, specialized insurance to help clients reduce the potential financial burdens associated with disability, illness, and death. We work with you to determine your needs and what options best fit your situation.

Disability Insurance

The ability to earn money is the most important asset that most people have. This income provides for both current and future financial obligations.

Loss of income due to disability significantly impacts one’s current and future financial stability. 

What are my chances of becoming disabled?

We can help you choose disability insurance that provide advantages like:

  • The ability for you to maintain your financial independence, lifestyle and long-term financial security in the event your income is impacted by disability.
  • Assisting you with paying fixed expenses for your business if you become disabled.
  • Supporting the buy-out of a disabled partner’s share of your business.

Long-term Care Insurance

As people age, the more likely it is that they will need assistance with various daily tasks. If professional assistance is needed, the cost for these services can quickly deplete a person’s savings.

We can help you choose long-term care insurance that provides advantages like:

  • Access to in-home or facility long-term care assistance.
  • Coordinated assistance in locating long-term care providers.
  • Peace and comfort about taking care of one’s self or family members.

Life Insurance

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.

We can help you choose life insurance that provides advantages like:

  • 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.
  • Avoidance of probate costs if you name a beneficiary other than your estate.
  • The potential to offer your loved ones creditor protection.

This information is intended for use only by residents of California (CA), Florida (FL), Georgia (GA), Iowa (IA), Maryland (MD), Michigan (MI), Mississippi (MS), Missouri (MO), New Mexico (NM), North Carolina (NC), Ohio (OH), Texas (TX), Vermont (VT), Virginia (VA), and West Virginia (WV). Securities and Insurance-related services may not be provided to individuals residing in any other states. Eric Nichols is a Registered Representative Offering Securities and Advisory Services through United Planners Financial Services. Member FINRA/SIPC. Nichols Financial and United Planners are not affiliated.

Dave Ramsey SMARTVESTOR® and its affiliates are not affiliated with United Planners Financial Services Member FINRA/SIPC. This should not be construed as an endorsement or recommendation by any individual or entity.

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