Sometimes people take their ability to work for granted. We figure our biggest asset is our home or the allocation of our retirement assets, but in reality, it’s our ability to work and earn a paycheck.
A disability insurance policy typically provides the policy owner with a certain percentage of replacement income — along with expenses that may not be covered by health insurance, such as specialized medical equipment — if they are unable to work due to illness or disability. Historically, disability benefits have been provided by employers, but their minimum amounts typically do not provide adequate income replacement. In recent years, having adequate financial and health care coverage has become the employee’s responsibility. This makes it more important than ever to research insurance options and determine how much you need to save for your family’s future, especially if you are unable to work.
We can inform you of your options for short-term and long-term disability insurance and help you determine what is right for your individual situation.
Your insurance professional is not permitted to offer, and no statement contained herein shall constitute, tax, legal or investment advice. You should consult with a legal or tax professional on any such matters. For guidance on your securities holdings, please consult with a broker-dealer representative or Registered Investment Adviser.
To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at 800-566-1002 today!
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RetireSharp Wealth Management, LLC is a registered investment adviser in the state of Florida. The adviser may transact business in states where it is appropriately registered, or where it is excluded or exempted from registration. Information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities or investment advisory services. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser or a tax professional before implementing any strategy discussed herein.
This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Ifasi Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.