Life and Disability Insurance

How We Do Life Insurance, Disability, Long Term Care, and More.

Life Insurance, Long-Term Care, Long-Term Disability, and Annuities

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When it comes to your specific needs, general “rules of thumb” may provide some guidelines. But, we know each client’s objectives are unique. So the starting point is to learn what is most important to you, and how to help you ensure that those goals are met if the unexpected happens.

Individual Life Insurance
Long-Term Disability Insurance
Long-Term Care Insurance
Immediate Annuities
Our Approach

At Team & Total, we take a holistic approach to reviewing the household impact of a premature death or disability, the need for personal assistance or care, and the suitability of guaranteed lifetime income. We start by reviewing your available resources, such as company-provided employee benefits, Social Security, veterans’ benefits, and any spousal benefits.

Take advantage of the tax code

During our review, we point out where there are gaps in your existing coverage and the cost-effective remedies to resolve them. We also see where you might be aided by preferences in the tax code that people too often don’t know about. We look at your whole situation to determine where and how you can efficiently protect yourself and your family. Are you taking advantage of your company’s benefits? Do you have a long-term game plan that solves your objectives? We’ll help you do just that.

The Nuances

Fundamentally, insurance involves a contract with an insurance company. And deciphering their “insurancespeak” can be quite a challenge. What does “elimination period” mean? What on earth is “total occ versus own occ”? That’s also our role as your agent–to make sure that what you’re getting is what you really need, and that you understand all the nuances. Plus, we’ll check in with you periodically to make sure your policies are still the right fit. When’s the last time your existing provider spent time with you to get an update on your situation?

Is it right for you?

Our recommendations may not always translate into product recommendations. That’s true whether we are talking about life insurance, long-term care, disability, or annuities and retirement. There are no “one-size-fits-all” solutions. Our practice leader on these matters, Dave Evans CFP RICP, will analyze your personal objectives, your existing retirement resources, and factors like your health and family status in deciding how to best take care of your needs. Remember our mantra is to put your interests first. PERIOD.

Chat with us to see if we can make the Team & Total approach work for you.

Life and Disability Insurance - Family and Friends Out to Eat at a Resurant on a Sunny Day

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As an independent agency, we are here to help you find the right Life and Disability Insurance coverage.

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  Life and Disability Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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