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You've worked hard to get where you are and to provide for your family. But you also need to protect what you've built—for yourself and for the people who depend on you.
Even substantial assets could be wiped out quickly. Imagine how you or your family would handle:
These are not pleasant things to think about. However, if you haven't planned for their possibility, the people who depend on you could find themselves in a desperate financial situation. For example:
How would your family cover expenses such as:
Three of the most effective and affordable ways to address these concerns are:
Provides a guaranteed safety net that protects your family's well-being and overall way of life. It also can help you do more in life by providing a reliable growth asset.
Provides a monthly income to make up for lost wages should an accident, sickness or injury prevent you from working at your regular occupation. Benefits are generally received income tax-free.
Provides a monthly benefit to help offset the cost of nursing home or in-home care should you become unable to perform certain "activities of daily living" such as eating, dressing, bathing, toileting and transferring.