Life — and retirement — can present many unknowns. Major changes occur over a lifetime, including marriage, births, illness, and death, among others. Your employment could also likely change during your career, causing shifts in your insurance coverage.To help ensure coverage and peace of mind for all those “what ifs,” The Heritage Group can review your existing insurance policies and provide recommendations for your various coverage options, including life insurance, Medicare, disability, and long-term care.
As we put together your holistic financial plan and understand your unique goals and needs, our team of advisors can help identify potential gaps and determine if you are over- or under-insured. Based on your needs, we can help you determine insurance options regarding:
Whether you need cost-effective protection for loved ones or entire protection for your family, we can discuss your options when it comes to term life, whole life, and universal life insurance policies.
A Medicare Supplement insurance plan can help you pay for medical costs that may not be covered under Medicare. We’ll work with you to select the best supplemental insurance for your healthcare needs and budget.
If you don’t have much saved for retirement or have a large nest egg with a lot of financial needs, purchasing a disability policy may be a key part in your retirement planning.
Nursing homes, assisted living facilities, or at-home assistance can be one of the biggest budget busters in retirement. We’ll work with you to determine when to purchase a policy and what kind of coverage you might need.
As changes occur in your career or family, you will be faced with decisions about your coverage. We can help you answer those critical questions, such as:
Would you benefit from a review of your insurance coverage and needs as it relates to your holistic financial picture?