Health and Life

• Life Insurance
  Your weight affects your Life Insurance rates. In addition to the many other factors considered your weight matters when you apply for a policy. If you are overweight the underwriter will not award you one of the Preferred rate classes. Being significantly overweight will mean not qualifying for the standard rate either.  You could even be charged an additional amount, this is often called a ‘table rating’ in reference to the height/weight tables the underwriter uses.  Because weight plays such an important role in our health, those who are morbidly obese are denied coverage entirely.
• Disability Insurance
  Disability Insurance is perhaps the most overlooked coverage available.   As of the writing of this article, AT&T is charging $15 per month for cell phone insurance.  How many 30 years old buy that coverage?  Yet a male age 30 working an office job and earning $50K per year would pay less than $40 per month to protect his income.
• Long Term Care
  Long Term Care Insurance can be used to pay for Home Care. Having the ability to pay for the high cost of care when it is actually needed will be crucial. If you plan to age in place, please explore Long Term Care Insurance while you are healthy.  No other tool comes close to providing the financial leverage of insurance.  Policies provide built-in increases to the daily benefit that will grow at either 3% and 5% compound interest.  With care, as with all things in life, you enjoy what you can afford. If staying at home is your goal, don’t be priced out of the caregiver market.

Business

• Workers Compensation Insurance
• Professional Liability Insurance