*Also see Group Voluntary Benefits below
An Annuity is a retirement product that allows consistent income to be distributed over a specified period of time or for a lifetime. Annuities are generally used for individuals who want to ensure that they will have income which they cannot outlive during their retirement.
Disability Insurance, often called disability income insurance or income protection, is a form of insurance that insures a portion of the beneficiary's earned income in the event of a non-job related disability.
Long Term Care insurance is insurance that helps provide for the cost of long term care which covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities.
The Home Care Plans are designed for seniors who have waited too long to shop for traditional long term care insurance and now cannot qualify for it, either in terms of underwriting or simply because they cannot afford the premiums, but desire a plan in place in the event of an unexpected injury or illness that will allow them to receive care in the comfort of their own home. This is not insurance.
Dental and Vision plans help to pay for out of pocket costs related to dental or vision services. The costs can be fully covered or provided after co-payments or coinsurance fees are met.
Dental and Vision plans help to pay for out of pocket costs related to dental or vision services. The costs can be fully covered or provided after co-payments or coinsurance fees are met. Voluntary Benefits do not require employer contributions, which means premiums are 100% paid by employees.
Key Person Insurance is simply Life Insurance that the business pays premiums for and is the beneficiary of to protect against the loss of a key employee’s life.
A buy-sell agreement is an agreement between owners that allow you or the business to buy out a co-owner’s share if that owner retires, becomes disabled or dies. Life insurance is a way to fund the agreement.
Estate Planning is the process of putting the right legal documents in place that allows you to help make sure your loved ones are taken care of and protected. These documents include Finanancial Directives, Health Directives, Wills and Trusts.
© 2020 Franklin Insurance Solutions LLC
Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Franklin Insurance Solutions LLC is not an affiliate or subsidiary of Guardian. Important Disclosures 2021-122295 Exp 06/23