Short Term Disability

• Income Protection During Short-Term Illness or Injury: Replaces a portion of your income if you’re temporarily unable to work due to illness, surgery, or injury.
• Quick Financial Relief: Provides immediate income (typically after a waiting period of 1-2 weeks) to help cover bills and expenses during recovery.
• Coverage for Common Conditions: Protects your finances during short-term conditions like pregnancy, surgery recovery, or non-work-related injuries.

Long Term Disability

• Income Replacement for Extended Absences: Provides ongoing income if you are unable to work for an extended period (often 90 days or longer) due to illness or disability.
• Financial Security for Serious Health Issues: Protects against major income loss due to chronic illness or permanent disability, allowing you to focus on recovery.
• Peace of Mind for Long-Term Financial Stability: Ensures that your essential living expenses, such as mortgage payments and medical bills, are covered even when you cannot work for an extended period.

Annuities

• Guaranteed Income for Life: Annuities provide a reliable, steady income stream in retirement, ensuring you don’t outlive your savings.
• Tax-Deferred Growth: Your investment grows tax-deferred until you start receiving payments, allowing for potential compounding over time.
• Customizable Payout Options: You can choose to receive payouts for a fixed number of years or for the rest of your life, offering flexibility based on your retirement goals.
• Protection Against Market Volatility: Fixed annuities and indexed annuities offer stable returns and protection from market downturns, providing peace of mind.
• Supplement to Other Retirement Income: An annuity can complement Social Security or pension income, adding an extra layer of financial security in retirement.

Critical Illness Coverage

• Covers Non-Medical Expenses: The payout can be used for anything, including everyday bills, mortgage payments, or specialized treatments not covered by health insurance.
• Financial Relief During Recovery: Helps alleviate the financial burden so you can focus on recovery instead of worrying about medical costs or lost income.
• Protection from High Medical Costs: Helps manage out-of-pocket costs not covered by standard health insurance, like deductibles, copays, or experimental treatments.

Accident

• Immediate Cash Benefits: Provides cash benefits if you suffer an injury from an accident, regardless of other health insurance coverage.
• Covers Unexpected Costs: Helps with medical bills, rehabilitation, and any other expenses related to the injury, including transportation and household help.
• Income Replacement for Missed Work: Assists with lost income if you are unable to work due to an injury, preventing financial hardship.
• Affordable Protection: Accident insurance is typically low-cost and offers a safety net for unpredictable, accidental injuries.