Falcone Williams

Annuities

Retirement planning is one of the biggest challenges facing Americans today. With concerns over company pensions, Social Security, and a volatile stock market, annuities can be a great way to grow and supplement your retirement income every year.

When you buy an immediate annuity, you give an insurance company your money in exchange for a guarantee that you'll receive a monthly check for the rest of your life or for a specific period of time. The amount of the payment you receive will depend on several factors, including your life expectancy and the age of your spouse if you include a spouse in your coverage.

Disability (Income Protection)

Disability insurance is designed to protect your most valuable asset: your continued ability to earn an income. Since everybody earns a living in a different way, DI quotes and policies must be tailored to your specific occupation.

Many people purchase life insurance to protect their families should they die prematurely. But according to data from the Society of Actuaries, people in their working years run a greater risk of being disabled for 90 days or more than they do of dying. Disability insurance can help.

Life Insurance

Life insurance has no equal when it comes to providing for those you care about when you die. At a time when their lives have dramatically changed, your survivors can be financially secure. Because of your foresight, their everyday needs can be met.

But did you know that a permanent life insurance policy is also an excellent foundation for a long-term financial program? Whether you’re wondering if you will be able to retire comfortably or provide for your family in an emergency, a permanent life insurance policy can be one of the best low-risk financial vehicles available to help you provide for future living needs

Not all insurance policies are alike. A life insurance policy may not be the most entertaining reading but what you find in the contract may make all the difference in the world. Keep in mind that there are many benefits and add-ons you can include in your life insurance policy.

Long Term Care

Long-term care (LTC) refers to a variety of services designed to help people perform the functions of day-to-day living to help them remain as independent as possible. Some long-term care services provide assistance with day-to-day activities for people with a chronic illness or cognitive impairment, such as dementia. Others follow a period of rehabilitation for people who continue to require assistance to perform daily activities.

Many people think that long-term care refers only to services provided in a nursing home. It is much more than that. In fact most long-term care is delivered at home by family and friends. This care is referred to as “informal care.” People may need more care than families are able to provide and additional resources are required. Often called “formal care,” this care can be given by a number of long-term care service providers in various locations depending upon the needs of the individual.