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!
We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.
It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.
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We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.
Derek Ifasi offers investment advisory services through AE Wealth Management, LLC.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.
*Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.
The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.