Insurance

Life insurance can be one of the most powerful financial tools at your disposal. As you build your career, it can protect your family in the event of an unexpected death. Later in life, as you plan your estate, it can create a sizable legacy for your children and grandchildren. It can protect your business against the untimely passing of a partner or a key employee and it may even be the best guarantor of your business’ survival from one generation to the next. Life insurance can even be used to accumulate and distribute cash value on a tax-advantaged basis.

Contrary to what you may have heard, there is no such thing as a “good kind” or a “bad kind” of life insurance. There are a variety of insurance products that allow us to design a program to specifically meet your needs.

Since our founding, Klazmer Financial Group has focused on life insurance planning. Through our consultative approach, we will first gain an understanding of your needs and goals and educate you about the life insurance marketplace. Only then can we be in the position to identify the type and amount of coverage right for you.

During your working years, your most valuable asset is your ability to earn an income. Surprisingly, few have considered what would happen if they were no longer able to earn that income.

If, due to an illness or an injury you are unable to work, disability insurance can provide a stream of income that can support you and your family, cover your debt obligations and may even allow you to continue saving for retirement.

Many believe that disability insurance offered by their employers will provide sufficient coverage if they get sick or injured, but these plans are often limited by the amount and quality of the benefit provided. We work with our clients to review their existing coverages and help ensure that their disability insurance plan protects them adequately and in their own occupation.

With a particular focus on the white-collar professional, medical and dental markets, Klazmer Financial Group can identify the most appropriate coverage for you based on your occupation, even down to your particular medical specialty or subspecialty.

The statistics can be frightening. Increasingly, multi-year long-term care events are becoming the norm, and with the surge in the average cost of care, many wonder if they will be able to afford the care they need and if there will be anything left in their estates for their children.

By obtaining the appropriate coverage, you can secure sufficient resources to allow you to age where you wish, and simultaneously may be able to ensure that your long-term care does not exhaust your legacy or make you a burden to your children.

Klazmer Financial Group has extensive experience in the long-term care space, and we are familiar with the many changes and challenges in the marketplace. With our considered and knowledgeable approach, as well as our access to a variety of strategies offered by a range of carriers, we can help you to identify and acquire coverage that meets your needs.