Insuring a Bright Future

• To replace income for your dependents if you die
• To pay for end-of-life costs such as funeral and medical bills
• To provide an inheritance or a gift to charity
• To protect your business from the loss of a key employee or a loan
• To pay off the mortgage or other debts
• To diversify your investments or leverage your wealth for estate planning
• To cover estate taxes or college expenses
  

• seeking stable, guaranteed lifetime income
• looking to save more for retirement in a tax-deferred investment vehicle
• wanting asset protection with the potential for growth

• Helps supplement health coverage, as Medicare does not cover many long-term care needs

• Offers long-range financial security, as people often need long-term care in their retirement years

• Helps your loved ones, as they may need to figure out a way to pay for care if you wind up in long-term care

• Helps cover the costs of care when you have a chronic medical condition, disability or disorder such as Alzheimer’s disease

• Safeguards your savings and assets against depletion

• Lessens the financial and caregiving burdens on your family members by providing access to professional care services

.

• Pays for custodial care for people who cannot perform activities of daily living