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Life and Medical Insurance Plans
Life and Medical Insurance is critical in all stages of your life. It is important to provide financial protection for your family and preserve your retirement assets. You need to make conscious decisions about the risk levels you will accept. Insurance is a hedge that can be used in all stages of life to help preserve your estate for your heirs, and protect your family or your asset base for yourself and your loved ones. We can assist you with Life Insurance, Long Term Care Insurance, or Disability Insurance.
The appropriate life insurance policy can help preserve the assets that you spent years accumulating. As things change in your life, the amount and type of insurance you need may change too. When you re-evaluate your financial plan (at least once a year), re-evaluate your insurance needs and the coverage you have. Insurance is not only for your beneficiaries, but can also be used as an investment vehicle during your life time. Insurance can provide tax deferral for you and a tax-free death benefit for your family.
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Term Life Insurance
Term Life Insurance is a relatively inexpensive type of life insurance policy that provides coverage for a specified period of time (e.g., 1, 5, 10, 15, 20 or 25 years) or until the insured reaches the age specified in the insurance policy.
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Whole Life
Whole Life Insurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
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Universal Life Insurance
Universal Life Insurance is a type of insurance that combines the characteristics of term life insurance and a tax-deferred savings plan. The insured can pay premiums at any time, subject to certain minimums and maximums, and reduce or increase the amount of the death benefit more easily than under a traditional whole life policy.
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Survivorship Life Insurance
Survivorship life insurance ("second-to-die" or survivor insurance) provides one policy that insures the lives of two people, usually spouses. No proceeds are paid when the first spouse dies. The policy remains in effect and premiums may need to be paid. The death benefit is not paid to the beneficiary until the death of the second insured.
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Blue Cross/Blue Shield Major Medical
HFCU Financial Services is an authorized broker of Blue Cross® Blue Shield® of Arizona healthcare. The Blue Cross Blue Shield Association (BCBSA) is an American federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield Health insurance companies.
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Long Term Care Insurance
Long-term Care Insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day (up to the policy benefit maximum).
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Securities & Insurance products offered through LPL Financial & its affiliates,
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