Life Insurance
The rising cost of Health insurance has everyone scrambling for cover. Associated Insurance Systems can handle all kinds of Health insurance, from the smallest individual policy to the largest group plans.
At Associated Insurance, we offer a wide range of insurance solutions, including life, long term care/linked benefits, disability, and Medicare/Health insurance, to our clients. Our team takes a consultative approach to understand your unique needs and deliver customized insurance solutions that protect your family, income, retirement, business, and more. Our insurance offerings are designed to complement our full range of financial services, including banking, lending, trust, and wealth management solutions, to provide a holistic approach to managing your finances and protecting your future.
We offer the following personal insurance products:
Personal
- Review of current policies
- Income replacement
- Estate equalization
- Supplemental retirement income
- Extended care planning
- Maximize wealth transfer
- Charitable giving
Business
- Business succession planning
- Business overhead expense
- Loan repayment protection
- Non-qualified planning
- Key employee coverage
- Executive retention
- Business valuation
At Associated Insurance, we understand that as life changes, so do your insurance needs. The goal remains the same – to protect the financial future of your loved ones. However, sometimes unexpected events can disrupt your plans. That’s why it’s important to take a moment and evaluate your insurance coverage when life-changing events occur, such as the birth or adoption of a child, a new home or downsizing, retirement, a job change, or marriage or divorce.
Although many adults believe that life insurance is too expensive, most overestimate its true cost by more than three times, according to the 2019 Insurance Barometer Study conducted by Life Happens and LIMRA. It’s important to calculate your actual insurance needs and ensure that you have adequate coverage.
We recommend conducting periodic reviews of your permanent life insurance policy to evaluate its performance against your original expectations. This can help ensure that your policy is on track to achieve your goals. Possible outcomes of a review include increased coverage at a lower premium, tax-advantaged accumulation, creditor protection, and combined long-term care coverage. At Associated Insurance, we can assist you with evaluating your insurance needs and developing a plan to protect your financial future.